Planning tools

Interactive calculators to help you plan for your future

Before you begin

Our interactive tools are here to help you work out how much you need to invest to meet your goals and what you might expect to get back from those investments in future.

As a general rule of thumb, the earlier you start investing the more you could stand to gain in the longer-term.

Things to be aware of:

  • The calculator and figures are produced for illustrative purposes only and do not represent any guarantee or advice from Alliance Trust Savings.
  • If you have concerns about your savings we recommend that you seek professional advice. If you are 50 or over you have access to free guidance from the government service Pension Wise.
  • Growth is projected at 5% which is the Financial Conduct Authority’s (FCA) mid growth rate. The rate at which your investments grow will be dependent on a number of factors and your actual investment growth may be lower or higher than projected. A growth rate of 5% assumes you will invest in share based investments.
  • If you save more or less a month than you have input into the calculator, or for a shorter time period this will impact the projected value of your investments.
  • We have assumed an investment charge of 0.75% to cover underlying investment charges and also dealing charges. The investments you select and how often you deal may mean that the actual charge you incur will be higher or lower than 0.75%.

Important information

Please remember the value of your investments and any income from them can go down as well as up and you may get back less than the amount you originally invested.

All investments carry an element of risk which may differ significantly. If you are unsure as to the suitability of any particular investment or product, you should seek professional financial advice.

Laws and tax rules may change in the future without notice. This information takes no account of your personal circumstances which may have an impact on tax treatment.

Investing through an ISA?

To use the calculator you'll need:

  • a note of the current value of any ISA you have
  • an idea of how much you can afford to invest each month
  • an idea of your financial goal (in £s) and how many years you’ve got to meet it
  • to read the important information to understand how the calculator works

Assumptions:

We have assumed an investment charge of 0.75% to cover underlying investment charges and also dealing charges. If you ask the calculator to display the maximum allowable contributions going forward this is based on an ISA allowance of £20,000 for the 2019/2020 tax year. Please read our ISA Key Facts for more information on ISA allowances.

The calculator also takes into account our ISA charge of £10 a month.

For details of our current charges, read our Charges Guide.

Take me to the savings tool

Investing through a SIPP?

Choose the retirement savings tool that best fits your situation.

Close up of trophy cup

I’m still saving towards my retirement

To use the calculator you'll need:

  • a note of the current value of any pension savings you already have
  • an idea of how much you can afford to invest each month
  • an idea of the age you’d like to retire at
  • an idea of the proportion of your pension savings that you’d like to take as tax free cash at that time (usually the maximum is 25%)
  • an idea – in today’s money – of the monthly income you’d like then too
  • to read the important information to understand how the calculator works

Assumptions:

The calculator takes into account our SIPP (Savings) charge of £17.50 plus VAT a month. We have assumed an investment charge of 0.75% to cover underlying investment charges and also dealing charges. The investments you select and how often you deal may mean that the actual charge you incur will be higher or lower than 0.75%.

When entering how much you are saving monthly please express on a gross basis (i.e. after basic rate tax relief has been added). There are limits on how much you can contribute to a pension and benefit from tax relief. Please read our Key Facts for more detail. You cannot make contributions to our SIPP if you or over 75.

For details of our current charges read our charges guide.

Close up of trophy cup

I’m thinking of retiring soon

To use the calculator you'll need:

  • a note of the current value of your pension savings
  • an idea of the age you’d like to retire at
  • an idea of the proportion of your pension savings that you’d like to take as tax free cash at that time (usually the maximum is 25%)
  • an idea – in today’s money - of the monthly income you’d like then too (the calculator lets you compare taking income from investments through guaranteed income
  • to read the important information to understand how the calculator works

Assumptions:

The calculator takes into account our SIPP (Income) charge of £23.75 plus VAT a month. When inputting how much you are saving monthly please express on a gross basis.

There are limits on how much you can contribute to a pension and benefit from tax relief please read our Key Facts for more detail.

For details of our current charges read our charges guide.


Worked out how much to save? Now choose your investments

Our Investment Selector is powered by Morningstar, a leading provider of investment research.

Use it to:

  • check what you can access through your Account (over 4,000 investments to choose from)
  • find out about the risks and charges for each investment (which are on top of the charges you pay us for your Account)
  • review past performance for investments although remember that past performance is not a guide to future performance.

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Alliance Trust Savings Limited is a subsidiary of Alliance Trust PLC and is registered in Scotland No. SC 98767, registered office, PO Box 164, 8 West Marketgait, Dundee DD1 9YP; is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, firm reference number 116115. Alliance Trust Savings gives no financial or investment advice.