For context: global stock markets have returned roughly 5 to 7% a year above inflation over the long run, with plenty of bad years along the way. Returns are not guaranteed.

After 20 years

£84,919

£49,000 put in · £35,919 of growth

Year 1■ growthYear 20

Inside a stocks and shares ISA, all of that growth is tax-free. Make sure the contributions are affordable first: check your money health.

Compound interest calculator by Wealthfare. Free UK money tools; figures update each tax year.