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When will you make your first million?

Your age, your pay, how much you invest and where — projected forward to the day you cross £1M. Then the fastest ways to get there sooner.

Tell us your age, pay, and how much you invest. We’ll project your money forward and find the age you cross £1M — then show the fastest ways to get there sooner.

Try:

Your ageiHow old you are now — the answer is your age when you cross the goal.

yrs

Take-home pay / monthiYour monthly pay after tax.

£/mo

You investiThe share of your take-home pay you put into investments every month.

That's £560 a month.

Already investediWhat you've already got invested (not counting your emergency fund).

You’ll hit your first £1M at age 53.That’s about 28 years from now. Keep going and you’d reach £4,728,885 by age 70. (£1M then is worth about £441k in today’s money.)

Your first £1M at

age 53

in 28 yrs

Investing each month

£560

20% of take-home

Your money’s working at

8.1%

strong

By age 70

£4.73M

if you keep going

Your net worth over time

━ Net worth━ £1M goal

Hover the chart to read any year.

Get there faster

⚠ Your emergency fund is under 3 months of pay. Build that cushion first — investing without one means selling at the worst time if life happens.

Invest 10% more of your pay

20% → 30% of take-home

4 yrssooner · age 49

Put more into stocks / index funds

80% → 95% in stocks

1 yrssooner · age 51

Cut fees with a low-cost index fund

0.4% → 0.2% a year

4 mosooner · age 52

Advanced settings — fine-tune every assumption

You & your pay

Emergency fund (cash)iCash you keep aside for a rainy day. It earns interest but isn't invested. Aim for 3–6 months of pay.£6,000

Pay rise / yeariHow fast your pay grows each year. Your monthly investing grows with it.3.0%

How it's invested

In stocks / index fundsiHow much of your investments sit in stocks / index funds versus safer bonds. More stocks = higher expected return, bumpier ride.80%

Fees & charges / yeariWhat your platform and funds charge each year. This quietly eats returns — a low-cost index fund is ~0.2%.0.4%

Interest on your cashiInterest your emergency-fund cash earns.4.0%

The goal

Your goaliThe number you're aiming for. £1,000,000 by default.£1,000,000

Inflation / yeariUsed only to show what your goal is worth in today's money.3.0%

How this works — and where it’s honest

Compounding, month by month. We grow what you’ve already invested plus everything you add each month, at a return set by how your money’s invested (more stocks = higher expected return) minus fees. Your monthly investing rises as your pay does.

Two pots. Your investments grow at the market rate; your emergency fund sits in cash earning interest. Both count toward your net worth, but a big cash pile grows slowly — which is why right-sizing it can bring the goal years closer.

“Get there faster”. We re-run the whole projection changing one thing at a time — invest more, cut fees, take more market risk, right-size the emergency fund — and rank them by how many years each buys you.

Uses long-run average returns (stocks ~9.5%, bonds ~4.5% before fees), not predictions — real markets are lumpy. Figures are nominal (future pounds); the goal’s value in today’s money is shown separately. £-baseline, general guidance only — not financial advice.

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Lifestyle creep is a silent short position on your future self.