Free financial calculators to see your money grow
These are the same tools we use to track Zo's journey. Pick one and see what's possible.
See how your money grows over time with compound interest
How much do you need to save monthly to reach your goal?
How long until you're a millionaire?
What does procrastination really cost you?
How much should you have saved for emergencies?
How much tax could you save with an ISA?
Understanding compound interest is the single most important financial lesson for young people. Our calculators show you exactly how money grows over time - no complex jargon, just real numbers.
Compound interest is when your money earns interest, and then that interest earns interest too. It's like a snowball rolling down a hill - it starts small but grows bigger and faster as it goes.
Time is your biggest advantage. A 15-year-old who invests £250/month until 65 could have over £2 million. Wait until 25? That drops to under £1 million. The 10-year wait costs you over £1 million.
In the UK, you can invest tax-free using an ISA (Individual Savings Account). The 2025/26 allowance is £20,000. For teens, a Junior ISA allows £9,000/year. All growth is completely tax-free.
Zo's real portfolio uses these same calculations. Track our journey from £1,000 to £60,000.
Follow The Journey