Model monthly and yearly contributions against New NISA allowances, factor in an expected return, trust fee, and taxable gains, and visualise the tax-free advantage with allowance usage year by year.
Value projection
Annual allowance usage
The taxable scenario subtracts the specified tax rate from gains to show the after-tax value.
FAQ
Can I adjust the allowance values?
Yes. Edit the annual and lifetime allowance fields to match future revisions or alternative limits for your simulation.
How are fees and taxes applied?
The trust fee is deducted from the annual return before compounding. Taxable accounts apply the selected tax rate (20.315% by default) to gains at the end of the period.
What should I do first on this page?
Start with the minimum required inputs or the first action shown near the primary button. Keep optional settings at defaults for a baseline run, then change one setting at a time so you can explain what caused each output change.
Why does this page differ from another tool?
Different pages often use different defaults, units, rounding rules, or assumptions. Align those settings before comparing outputs. If differences remain, compare each intermediate step rather than only the final number.
How reliable are the displayed values?
Values are computed in the browser and rounded for display. They are good for planning and educational checks, but for regulated or high-stakes decisions you should validate assumptions with official guidance or professional review.
How to use New NISA Savings Simulator (Allowance vs Taxable) effectively
What this calculator does
This page is for estimating outcomes by changing inputs in one controlled workflow. The model keeps your focus on variables, not output shape. Start with stable assumptions, then test sensitivity by changing one key input at a time to observe directional impact.
Input meaning and unit policy
Each input has an expected unit and a typical range. For reliable interpretation, check whether you are using the same unit system, period, and base assumptions across all runs. Unit mismatch is the most common source of unexpected drift in numeric results.
Use-case sequence
A practical sequence is: first run with defaults, then create a baseline log, then run one alternative scenario, and finally compare only the changed output metric. This sequence reduces cognitive load and prevents false pattern recognition in early experiments.
Common mistakes to avoid
Avoid changing too many variables at once, mixing incompatible data sources, and interpreting a one-time output without checking robustness. A single contradictory input can flip conclusions, so keep each experiment minimal and document assumptions as part of your note.
Interpretation guidance
Review both magnitude and direction. Direction tells you whether a strategy moves outcomes in the desired direction, while magnitude helps you judge practicality. If both agree, you can proceed; if not, rebuild the baseline and verify constraints before deciding.