Free tool

ISA growth calculator

Project a Stocks & Shares ISA to any age — contributions, coasting, then tax-free drawdown, with a year-by-year lifetime view. A portfolio piece from our interactive-tools work; illustrative only, not financial advice.

All growth and withdrawals are 100% tax-free inside a Stocks & Shares ISA TAX-FREE  Annual limit: £20,000.
Your ISA
Annual contribution: £6,000 £14,000 remaining allowance
Growth assumptions
Your numbers
ISA value at drawdown start
at age 60
Tax-free growth
total gain on contributions
Total contributed
your deposits over time
Growth multiple
ISA value ÷ money in
What if you then draw it down?
ISA at end of drawdown
at age 85
Years drawing down
tax-free income
ISA runs out at age . Try reducing withdrawal, increasing contributions, or a higher return assumption.
✓ ISA lasts your full drawdown period and leaves completely tax-free.
ISA value over your lifetime
Contributing
Coasting (no contributions)
Drawdown — healthy
Drawdown — under £50k
ISA exhausted

Illustrative only — not financial advice. Assumes constant returns, no fees, and no inflation adjustment. Annual ISA allowance £20,000 (2025/26). Tax rules may change. Consult a regulated financial adviser before making investment decisions.

Three phases, one glance — that's deliberate design

Contribute, coast, draw down: the model handles allowance limits, phase transitions and run-out detection, and the timeline turns thirty years of compounding into something you read in seconds. We build interactive tools exactly like this for clients' own sites and products. Tell us what yours should model, or try the retirement calculator, chart builder and ROI calculator.

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