ISA calculator

Compare how investing your money in a stocks and shares ISA could give you a greater return, subject to greater risks, than an interest-paying cash ISA over the long term.

1Your starting amount

£

2Return assumption

Low
2%
Intermediate
5%
Higher
8%
Money you could have after years
Stocks & shares ISACash ISA
Low returns
Intermediate returns
Higher returns
With a stocks and shares ISA your capital is at risk as the value of your investment may fall as well as rise. Cash deposits are generally protected by the Financial Services Compensation Scheme up to £85,000. Check with your provider.

Stocks & shares ISA returns

Investment returns are influenced by attitude to risk, make-up of the investment portfolio, and market performance. For these calculations, we are using the following FCA-recommended assumptions:

Low returns: 2%
Intermediate returns: 5%
Higher returns: 8%

We have assumed a 1.0% annual management fee, which has been deducted from the projections shown. We also assume income is re-invested. This does not include the effects of tax or inflation.

Cash ISA returns

Nutmeg calculations are based on data from Bank of England, Bloomberg as at 06/07/2017. Money market rates have been used to estimate future interest rates up to ten years ahead. Intermediate returns are calculated monthly based on the historic premium of ISA deposit rates (excluding unconditional bonuses) over a money market rate. The "Low returns" and "Higher returns" bands are estimated as a rate of return 0.5% below and above the "Intermediate returns" rate in year two, 0.75% in year three and 1% thereafter.


As with all investing, your capital is at risk. The value of your portfolio with Nutmeg can go down as well as up and you may get back less than you invest. Past performance is not a reliable indicator of future performance. A stocks and shares ISA may not be right for everyone and tax rules may change in the future. If you are unsure if an ISA is the right choice for you, please seek independent financial advice.