How much will £100,000 grow to in 5 years?
£100,000 over 5 years at different returns
A lump sum grows by compounding: each year's return is earned on the original amount and on the returns already added. The figures assume no withdrawals, fees, tax or inflation.
£100,000 left for 5 years
| Annual return | Growth | Final value |
|---|---|---|
| 2% | £10,408 | £110,408 |
| 4% | £21,665 | £121,665 |
| 6% | £33,823 | £133,823 |
| 8% | £46,933 | £146,933 |
How long does £100,000 take to double, and what is it worth in today's money?
The doubling time is ln(2) ÷ ln(1 + return). The last column adjusts the 5-year result for 2% a year inflation, to show buying power.
£100,000 lump sum
| Annual return | Time to double | Value after 5 years | In today's money |
|---|---|---|---|
| 2% | 35.0 years | £110,408 | £100,000 |
| 4% | 17.7 years | £121,665 | £110,196 |
| 6% | 11.9 years | £133,823 | £121,207 |
| 8% | 9.0 years | £146,933 | £133,082 |
What if you add a little each month?
Adding £1,000 a month on top of the £100,000 would give about £195,442 after 5 years at 5%, compared with £127,628 for the lump sum alone. Small regular amounts add up.
Keeping the risk in proportion
Higher returns come with more risk. A cash account is predictable but may not keep up with prices. Savings and investments held in an ISA are free of UK income tax and capital gains tax. Outside an ISA, interest above your Personal Savings Allowance and gains above the annual exempt amount can be taxed.
Sources and further reading
Questions people ask
How much will £100,000 be worth in 5 years?
How long does it take £100,000 to double?
Results are estimates for information only, not financial advice. Read the full disclaimer.