Calculate the necessary initial systematic investment size to accumulate a real purchasing power of £1,000,000.
£1,000,000 is the nominal goal. At United Kingdom's 3% inflation default, £1,000,000 in 25 years has the same purchasing power as £477.61K today — that gap is exactly why this calculator solves for nominal AND real targets, not just nominal.
Two ways to reach £1,000,000: a flat SIP held constant in nominal terms (loses real value each year), or a step-up SIP that rises with inflation (keeps your real savings rate constant). The table below shows what monthly SIP is required for each path across five common horizons.
| Horizon | Flat SIP / month | Total invested (flat) | Step-up SIP / month (start) | Total invested (step-up) |
|---|---|---|---|---|
| 10 yrs | £5.43K | £651.59K | £4.83K | £664.3K |
| 15 yrs | £2.87K | £516.73K | £2.42K | £539.65K |
| 20 yrs | £1.69K | £404.76K | £1.36K | £436.94K |
| 25 yrs | £1.04K | £313.36K | £806 | £352.65K |
| 30 yrs | £667 | £239.95K | £497 | £283.75K |
Assumes 8% expected annual return and 3% step-up rate on the step-up column. Longer horizons let compounding do more of the work — the required monthly SIP for 30 years is typically a small fraction of the 10-year requirement, but the total invested rises because you contribute for longer.
We solve for the required initial Systematic Investment Plan (SIP) contribution:
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