How Long to Reach Your Investment Target: ISA and SIPP Time Calculator

Pick a target, say £100,000, and we work out how many years of steady investing it takes to get there. The useful insight: the gap between hitting a goal and missing it is usually a modest change in the monthly amount, not a wild swing in returns, so we also show what contribution would reach the target sooner.

The maths compounds monthly using the return you enter, which should be your expected return after fees. Real markets do not deliver the same number every year, so treat the result as a central estimate rather than a fixed date. If your target sits inside the ISA allowance each year, the whole pot can grow free of UK tax, which is why a stocks and shares ISA is the usual home for goals like this.