20 Year Account Plan Calculator
Model the performance of your SIPP, ISA, GIA and Offshore Bond accounts over 20 years. Set your starting balances, annual cash flows and choose whether withdrawals should rise with inflation each year.
Enter the current value of each account today. These are your Year 0 balances — the starting point for all projections.
| Account | Start Balance (£) | Growth p.a. |
|---|---|---|
| SIPP | % |
|
| ISA | % |
|
| GIA | % |
|
| OSB | % |
- Enter a Year 1 amount — use a − minus sign for withdrawals
- Click Apply ▼ to copy that amount across all years
- Optionally tick Escalate with CPI to increase with inflation each year
- Open year-by-year detail below to override individual years
Real vs Nominal
Nominal projections show the projected cash value of your accounts before fees and without accounting for inflation. Real projections adjust for inflation to express the figure in today's money — this provides a truer picture of whether your investments are actually growing your wealth.
Inflation-Linked Flows
When you tick "Escalate each year with CPI", the Year 1 amount is pre-filled across all years with CPI-escalated values — but every cell remains fully editable. Unticking leaves any manual values in place.
Real Return After Inflation
This total reflects the value of your investments after inflation has been taken into account. It shows what your portfolio would actually be worth in terms of today's purchasing power.
Do you want to improve your retirement plan?
Speak to one of our expert advisers to work out the tax on your withdrawal plans and to understand the results.
Get in touch
Give us a call on 020 3143 6100 to get started. Alternatively, fill out the form below and one of our expert wealth managers will be in touch shortly.