Investing works best over time. The longer your money stays invested, the greater the potential for growth. Yet many of us wait until the end of the tax year to use our ISA allowance – why not start sooner?

An ISA is one of the most tax-efficient, flexible, and rewarding ways to invest.

Use our simple ISA calculator to estimate how much your savings could grow over time.

These figures are only examples and are not guaranteed – they are not minimum or maximum amounts. What you will get back depends on how the investment grows and on the tax treatment of the investment. You could get back more or less than this.

The results are based on an assumed annual growth rate of 5%, an initial charge of 5% and ongoing charges of 1.7%. They do not take account of inflation.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The favourable tax treatment given to ISAs may not be maintained in the future, as they are subject to changes in legislation.