Tools & Resources
YMI Investment Calculator
Visualise the power of compound growth. Explore how regular monthly contributions could grow over time, or project your retirement pot using the safe withdrawal rate model. Includes inflation adjustment and milestone breakdowns.
Annual return
7% average annual return — a conservative long-term equity assumption.
This calculator provides an illustrative projection based on the assumptions selected. It is not a prediction, financial advice or a guarantee of investment performance. Returns are not guaranteed. Past performance is not a reliable indicator of future results. Capital is at risk.
Final portfolio value
£104,185
After 20 years
Total invested
£48,000
Monthly contributions
Investment growth
£56,185
Compound returns
Percentage increase
117.1%
Above contributions
What is compound growth?
Compound growth means your returns generate their own returns. The longer your money is invested, the more powerful this effect becomes — often called the "eighth wonder of the world".
What is the safe withdrawal rate?
The safe withdrawal rate (SWR) is the percentage of your retirement pot you can withdraw annually without running out of money. The widely cited 4% rule suggests a 30-year retirement horizon.
Why start early?
Time is the most powerful variable in any investment projection. Starting at 20 versus 30 can result in a dramatically larger retirement pot, even with identical monthly contributions.