A free investment calculator — showing the real potential of your money, with tax, inflation, and fees always in the picture.

Most tools give you the optimistic headline. We give you the full picture — nominal value, real purchasing power, tax, and fees — so you can plan with confidence.

Welcome to Wealthcast
Let's start by choosing the country where you'd like to invest. This sets your currency, tax defaults, and inflation assumptions.
Country

The values you input below will drive your entire projection: how much you start with, how much you add, how long you wait, and what return you expect. Each one matters more than you think.

Your Investment Details

Initial Investment
£
Monthly Contribution
£
Annual Contribution Increase
%
0% = flat contributions · try 2–3% to model salary growth
Annual Return Rate
%
Time Horizon
yrs
160
For how long are you planning to keep investing? We recommend at least 20 years.
Expected Inflation Rate
%
UK 20-yr avg ≈ 2.8% · US ≈ 2.9%
Capital Gains Tax Rate
%
UK basic: 18% · higher: 24%
Compounding frequency
Annual: £10k at 10% = £11,000 after 1yr
✦ Your dream target the portfolio value you're aiming for · leave blank to hide
£
Add platform & fund fees

Understanding the numbers

Each concept explained in plain English — with real history, data, and what it means for your money.

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Inflation & Purchasing Power

The silent force that erodes your wealth over time — even when your portfolio grows.

Deep dive
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Historical Returns by Portfolio Type

What 100% equities vs 100% bonds has returned over a century. The risk/reward tradeoff in data.

Reference data
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Capital Gains Tax Explained

When you owe it, how much, and how to think about its drag on your real returns.

Tax guide
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Dividend Reinvestment (DRIP)

Why reinvesting dividends can be one of the most powerful decisions you make as an investor.

Strategy