technofatty Questions, awkwardly answered.

Questions, awkwardly answered.

Money · Utility calculator

Index Fund vs Savings Account

Compare projected growth in cash savings versus an index fund assumption.

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What this means

Calculates projected growth using annual deposits approximation. Savings rate: 4.0%. Index return assumption: 7.0%. Index returns are not guaranteed.

Formula used

FV = P*(1+r)^t + PMT*12*(((1+r)^t - 1)/r) using annual deposits approximation.

Worked example

£5,000 start, £250/month, 10 years, savings 4%, index 7%. Savings about £43,420; index about £51,285.

Common questions

Can I use this internationally?
Yes. Currency selectors are display-only unless a tool explicitly says otherwise; no currency conversion is performed.

How exact is the result?
It follows the published Technofatty formula for this tool, but real life can add fees, rules, timing quirks, and context.

Plain-English summary

Over 10 years, savings projects £43,420 vs index fund £51,285 using 7.0%.

This section translates the result into a short, direct takeaway rather than leaving the page at a bare number.

Disclaimer: This calculator gives a general estimate only. It is not financial, legal, medical, employment, or professional advice.

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