Fictional example. Compare saving £500 monthly with saving £750 monthly and a £5,000 expense in month 24. These are illustrative choices.
Both plans use the same included portfolio, ownership shares and GBP opening values, calculated for 4 October 2026. Saved assumptions are recalculated when you compare. This is not a record of past forecasts.
Today's money
Where could each path lead?
Mid case comparison
Shared starting net worth£535,588
Horizon10 years
Existing liabilities£108,650
Steady savingSave more with a trip
The mid case from each plan is shown above. Worst and best assumptions may differ between plans. All three outcomes are compared below.
First plan
Steady saving
New monthly money
£500.00
Monthly spending
£0.00
Mid case growth
3%
Annual inflation
2.5%
Life events
0
Mid case in 10 years
£645,954.51
Full assumptions
Contributions finish after
Year 10
Spending begins in
Year 1
Worst growth rate
-2%
Best growth rate
6%
Net worth goal
No goal set
No life events in this plan.
Monthly amounts stay fixed in future money. Year 1 is the next 12 months. Event timing is relative to the shared starting date.
Alternative plan
Save more with a trip
New monthly money
£750.00
Monthly spending
£0.00
Mid case growth
3%
Annual inflation
2.5%
Life events
1
Mid case in 10 years
£668,240.66
Full assumptions
Contributions finish after
Year 10
Spending begins in
Year 1
Worst growth rate
-2%
Best growth rate
6%
Net worth goal
No goal set
Life events
A special tripMonth 24. Spending of £5,000.00 in future money.
Monthly amounts stay fixed in future money. Year 1 is the next 12 months. Event timing is relative to the shared starting date.
What changes
The difference at the finish.
Alternative plan minus first plan, in the selected money view. A higher final net worth is one consideration; planned spending may deliver something you value too.
Worst case£17,915.09Difference in final net worth
Steady saving: £368,813.81 Save more with a trip: £386,728.90
Mid case£22,286.15Difference in final net worth
Steady saving: £645,954.51 Save more with a trip: £668,240.66
Best case£25,505.44Difference in final net worth
Steady saving: £879,878.90 Save more with a trip: £905,384.34
Compare year by yearExact mid case figures
Mid case net worth in today's money. All values in GBP.
Date
Steady saving
Save more with a trip
Oct 2026
£535,588.29
£535,588.29
Oct 2027
£547,314.63
£550,281.49
Oct 2028
£558,875.89
£559,992.65
Oct 2029
£570,276.68
£574,222.78
Oct 2030
£581,521.51
£588,241.88
Oct 2031
£592,614.78
£602,055.76
Oct 2032
£603,560.78
£615,670.09
Oct 2033
£614,363.71
£629,090.40
Oct 2034
£625,027.66
£642,322.10
Oct 2035
£635,556.63
£655,370.47
Oct 2036
£645,954.51
£668,240.66
Illustrative scenarios, not predictions. One blended growth rate applies to assets in each plan. Liabilities stay fixed. Taxes, asset availability and debt repayments are not modelled. Export individual plans from their planning pages to keep the monthly working.
