Scenario
£500 per month for 20 years at 7% (monthly)
Engineered for search intent around “£500 per month for 20 years at 7% (monthly)”. Includes inflation-adjusted outputs, CAGR ranges and ETF playbooks.
Projection
£260,463
Total contributions
£120,000
Market growth
£140,463
Inflation adjusted
£158,953
Blended CAGR
4.0%
-2% bear case
5.0%
£205,517
Base case
7.0%
£260,463
+2% bull case
9.0%
£333,943
| Year | Portfolio | Contribution | Growth | Real Value |
|---|---|---|---|---|
| Year 1 | £6,196 | £6,000 | £196 | £6,045 |
| Year 2 | £12,841 | £12,000 | £841 | £12,222 |
| Year 3 | £19,965 | £18,000 | £1,965 | £18,540 |
| Year 4 | £27,605 | £24,000 | £3,605 | £25,008 |
| Year 5 | £35,796 | £30,000 | £5,796 | £31,639 |
| Year 6 | £44,580 | £36,000 | £8,580 | £38,442 |
| Year 7 | £53,999 | £42,000 | £11,999 | £45,428 |
| Year 8 | £64,099 | £48,000 | £16,099 | £52,609 |
| Year 9 | £74,929 | £54,000 | £20,929 | £59,998 |
| Year 10 | £86,542 | £60,000 | £26,542 | £67,607 |
| Year 11 | £98,995 | £66,000 | £32,995 | £75,448 |
| Year 12 | £112,347 | £72,000 | £40,347 | £83,537 |
| Year 13 | £126,665 | £78,000 | £48,665 | £91,886 |
| Year 14 | £142,018 | £84,000 | £58,018 | £100,510 |
| Year 15 | £158,481 | £90,000 | £68,481 | £109,426 |
| Year 16 | £176,134 | £96,000 | £80,134 | £118,648 |
| Year 17 | £195,063 | £102,000 | £93,063 | £128,195 |
| Year 18 | £215,361 | £108,000 | £107,361 | £138,082 |
| Year 19 | £237,125 | £114,000 | £123,125 | £148,328 |
| Year 20 | £260,463 | £120,000 | £140,463 | £158,953 |
Inputs
£500 per month
Time horizon: 20 years
Rate assumption: 7.0%
Inflation: 2.5%
ETF playbook
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£500 per month for 20 years at 7% (monthly)
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FAQ
What is the projected balance for £500 per month for 20 years at 7% (monthly)?
At 7.0% annualized, the balance is projected to reach £260,463 after 20 years. £140,463 of that figure is pure market growth.
FAQ
How much capital do I personally contribute?
You contribute £120,000 across the horizon (£500 per month plus £0 upfront).
FAQ
How does inflation affect the outcome?
Assuming 2.5% inflation, the purchasing power of the final balance equates to £158,953 in today’s money.