Plug in your own numbers. UK allowances built in, so the maths stays honest.
Illustration only, not financial advice. Assumes a steady annual return compounded monthly, no fees, no inflation adjustment and today's allowances (ISA £20,000, Junior ISA £9,000, pension annual allowance £60,000). Pension tax relief uses rates for England, Wales and Northern Ireland; Scotland differs. Real returns go up and down. Capital at risk. Rules can change.