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In this section

Stocks and Shares ISA Calculator
Our ISA calculator can help you understand how much your savings could grow when saving with a Stocks and Shares ISA.
Important information - The value of your investments and the income from them and can go down as well as up, so you may get back less than you invest. Tax treatment depends on individual circumstances and all tax rules may change in the future. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to one of Fidelity's advisers or an authorised financial adviser of your choice.
How the ISA calculator works
The forecast from this calculator is based on your input and is not a reliable indicator of future results. It will therefore not show what your investments will actually be worth. The growth figures shown assume annual service and fund charges of 1.1% and are net of these charges.
When using this tool, you need to select the rate of growth that you would like to see a projection for. Fidelity can’t advise you as to what a reasonable rate of growth would be for your investments - it depends on a number of different factors.
Important information about this calculator
This calculator is just for providing examples, it doesn’t show what your investments will actually be worth.
How we take charges into account
To make the examples (that you choose to see) a little more realistic, we’ve assumed some charges. This is just an example of charges - because what you will actually pay depends on how much you invest and what investments you choose so could be higher or lower than the example charge used here.
We’ve assumed you are investing in a fund to create the example charge. We’ve assumed a total charge of 1.1% a year. This includes both our fee, as well as a fund charge. Remember, if you are investing in a fund, you can check the charges you would pay in our online fund information.
The impact of inflation
The rates of growth and the chart are shown in pre-inflation (‘nominal’) terms.
The forecast does not directly take inflation into account. However, we believe that it is a good idea to consider the impact that inflation could have on the value of your money.
We believe that a reasonable long term assumption for inflation is around 2% each year. This means that for every year, each pound you have is worth 2% less. In some cases, this could mean that, even if your investment grows over time, the value of what you can buy with it becomes less.
Your regular savings
We assume any regular savings will be invested at the end of each month; we also assume that your payments will not increase over time (but you could do this if you wish).
Your taxes
We do not take tax into account for this forecast. While you may have to pay tax on any investments that do not sit within a tax-efficient wrapper like an ISA, Fidelity cannot guide you on this.
Selecting different growth rates
When using this tool, you need to select the rate of growth that you would like to see applied.
The range of rates available to use is wide and this is so that you can look at different return rate scenarios and see, in simple terms, what effect that has on investment returns.
There is no right or wrong rate to select because the return you may achieve when you invest is never known. This is illustrated by the following investment warning: “it is important to remember that the value of investments can fall as well as rise and you may get back less than you invested”.
The calculator is not trying to predict anything, it is simply allowing you to see how different rates of growth can affect an investment.
Factors that can influence actual returns include:
- How long you are invested for (investment returns can be volatile in shorter term)
- How much risk you are prepared to take
- The type of investments you choose (for example, shares or corporate bonds)
- The range of industries you invest into
- The geographical range you spread investment across
Your ISA checklist
Make sure you have the following information with you:
- Your National Insurance number
- Debit card details (for a single payment)
- Bank or building society details (if you’re planning on setting up a regular savings plan)
Transfer your ISA
Enter any single payments which you’re planning to make in the current tax year.
Enter the value of any existing ISAs you hold which you want the projection to take into account.
Select an example growth rate to see how well your investment might grow during the time period you have selected. But remember that these figures are based on your input and do not reflect what you will actually receive.
Yearly breakdown
Single payment
Value of existing ISA
Monthly payments
Rate of growth
Number of years
Amount invested
Positive return
Negative return
Opening an ISA
I want to know more about an ISA
Invest your ISA allowance as either a lump sum or a series of regular monthly payments.
I want to open a new ISA
Start a regular savings plan from £25 a month or make a single payment of at least £1000.
I want to transfer my ISA
Our straightforward transfer process makes it easy to bring your investments together.
New to investing?
Getting started is easy.
Download our ISA guide to learn more about how investing in an ISA works. It’s one of the best ways to put money aside for the long term.
Download our ISA guide
FAQs
What’s the minimum amount I can start a Stocks and Shares ISA with?
You can start a regular savings plan from as little as £25 per month or make a lump sum payment with a minimum of £1,000. Once your account is open, you can put in as little or as much as you’d like, as long as it doesn’t exceed the £20,000 yearly ISA allowance limit.
What’s the difference between all the types of ISAs?
There are five different types of ISA, and each has its pros and cons depending on your financial goals.
Stocks and Shares ISA
A Stocks and Shares ISA, also known as investment ISA, is a tax efficient way to save up to £20,000 a year (for the tax year 2023/2024) and pay no income or capital gains tax on your investments in shares, funds, investment trusts and bonds. Different investments carry different levels of risk. The higher the risk, the greater the potential for a higher return. However, it's always important to remember that the value of investments can go down as well as up.
More about Stocks and Shares ISAs
Explore the Fidelity Stocks and Shares ISA
Junior ISA
With a Junior ISA, there is no UK income tax or capital gains tax payable on any returns, so it’s a tax-efficient way to save money for a child’s future.
Each tax year, parents, relatives or friends can contribute in either a Stocks and Shares Junior ISA, a Cash Junior ISA, or both. That is, as long as the total savings across these accounts doesn’t exceed the annual Junior ISA allowance, which is £9,000 for the tax year 2023/2024. You have until 5 April 2024 to use the allowance.
As the child turns 18, the Junior ISA automatically becomes an ISA so that the tax benefits are retained and the child takes full control of the account.
If you’re thinking about opening a Junior ISA for a child, they must be aged 17 or under. The account can be set up by a person with parental responsibility for the child, or the child themselves, if they are aged between 16 and 18.
Child Trust Funds were available to children born between 1 September 2002 and 2 January 2011. However, these have now been replaced by the Junior ISA. This means a child can only have a Child Trust Fund or a Junior ISA, not both.
More about Junior ISAs
Explore the Fidelity Junior ISA
Cash ISA
Cash ISAs are considered as lower risk compared to the other types of ISA available. They generally work in a similar way to a savings account. Yet with low interest rates and the effect of inflation, the value of your money may still erode over time.
Holding a Cash ISA means you won’t pay tax on any interest your ISA earns. You can open a Cash ISA from the age of 16 if you’re a UK resident.
Fidelity does not offer Cash ISAs
Lifetime ISA
You can only open a Lifetime ISA if you’re aged between 18 and 40. You can use a Lifetime ISA to save for your first home or retirement. It allows you to save cash or invest in the stock market (you can even do both) and any interest or investment returns are free from UK tax.
You can put a maximum of £4,000 in a Lifetime ISA each tax year. For every £4,000 contributed each tax year, the Government will top up your ISA with a further 25% of up to £1,000 per year. You can only pay into a Lifetime ISA until you’re 50. After that, you can continue to hold money in it - where it will continue to earn interest or investment returns - until you need the money for a home or your retirement.
Innovative Finance ISA
An Innovative Finance ISA is a type of ISA that lets you use your tax-free ISA allowance to invest in peer-to-peer lending. Peer-to-peer lending is a where you lend money to borrowers and businesses who then pay back the borrowed amount over time plus interest. Any interest you receive on top of the borrowed amount is tax free.
Fidelity does not offer Innovative Finance ISAs
Can I have two ISAs with two different providers?
You can only contribute the current tax year allowance to one stocks and shares ISA with one provider, though some of your allowance could go towards a different type of ISA such as a Cash ISA or Lifetime ISA.
Important policies
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Please remember that past performance is not necessarily a guide to future performance, the performance of investments is not guaranteed, and the value of your investments can go down as well as up, so you may get back less than you invest. When investments have particular tax features, these will depend on your personal circumstances and tax rules may change in the future. This website does not contain any personal recommendations for a particular course of action, service or product. You should regularly review your investment objectives and choices and, if you are unsure whether an investment is suitable for you, you should contact an authorised financial adviser. Before opening an account, please read the ‘Doing Business with Fidelity’ document which incorporates our client terms. Prior to investing into a fund, please read the relevant key information document which contains important information about the fund.
This website is issued by Financial Administration Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) (FCA Register number 122169) and registered in England and Wales under company number 1629709 whose registered address is Beech Gate, Millfield Lane, Lower Kingswood, Tadworth, Surrey, KT20 6RP.