Generational Wealth Calculator
See how money invested for a child grows by the time they reach 67. Drag the inputs and watch decades of compounding respond in real time — no submit button.
Maximum £9,000 per tax year
Up to £750/month stays within the annual limit
Historical global stock market average is around 7–10%
Projected value to age 67
Projected value at age 67
£2,409,640Total contributed
£39,400Investment gains
£2,370,240What makes up the final pot
- Your contributions£39,400
- Compound growth£2,370,240
Assumes a constant return; real markets vary. Not financial advice.
Key milestones
Age 18: JISA to ISA Conversion
Your JISA automatically converts to an adult ISA. This is a crucial time to encourage continued investment habits.
Projected value £73,509
Age 40: Mid-Life Growth
By this age, compound interest has been working for decades, potentially creating significant wealth.
Projected value £341,356
Age 55: Early Access Options
Access to certain pension benefits becomes available, though letting investments grow further can be beneficial.
Projected value £972,506
Age 67: State Pension Age
Traditional retirement age with access to state pension, though your investment could continue growing.
Projected value £2,247,190
Compound interest
The engine behind this growth
Pension calculator
Project your own retirement pot
Investing for children
JISAs and the power of early investing
Disclaimer: This calculator provides estimates only and should not be considered financial advice. Investment returns are not guaranteed and can go down as well as up. Past performance is not indicative of future results. The calculator assumes a constant rate of return and does not account for inflation. Tax rules and allowances may change. Please consult a qualified financial adviser for personalised advice.
Frequently Asked Questions
Disclaimer: These calculators provide estimates for informational purposes only and do not constitute financial advice. Calculations use 2026/27 UK tax rates and thresholds sourced from HMRC and GOV.UK. Results are illustrative and may not reflect your personal circumstances. For personalised advice, consult an FCA-authorised financial adviser.