All Calculators
Education Savings Calculator
See how your savings could grow — and whether you'll have enough when the time comes.
£
£
Your savings at age 18
£44,637
Total contributions£31,200
Investment growth+£13,437
Years saving13
Target vs projected savings
Estimated cost (university)£59,286
Your projected savings£44,637
Shortfall£14,649
To close the gap, you'd need to save an extra £94/month — or start earlier.
Savings growth over time
Age 6
£2,520
Age 7
£5,166
Age 8
£7,944
Age 9
£10,862
Age 10
£13,925
Age 11
£17,141
Age 12
£20,518
Age 13
£24,064
Age 14
£27,787
Age 15
£31,696
Age 16
£35,801
Age 17
£40,111
Age 18
£44,637
Contributions Growth
Where to save — your options
Junior ISA
Max £9,000/year. Tax-free growth. Child gets the money at 18 — they control it then. Best for most families.
Regular savings account
Lower returns but no risk. Good for shorter timeframes (under 5 years) or if you want flexibility.
Investment account (in your name)
You keep control of when and how to use it. Capital gains tax may apply, but you decide when the child gets it.
Junior SIPP
Pension for your child — unusual but powerful for very long-term. They can't access it until retirement age (57+).