Educational Tool
ISA Scenario Explorer
Explore illustrative ISA scenarios using only public, regulated data from the FCA, HMRC and ONS.
This tool provides illustrative ISA scenarios based on public data from the FCA, HMRC and ONS. It does not provide financial advice.
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FCA-Standard Rates
Uses 2%, 5% and 8% projection rates as
mandated by the FCA
mandated by the FCA
Fully Compliant
Based on HMRC ISA rules and public regulatory data only
Illustrative Only
Scenarios are examples, not forecasts or
recommendations
recommendations
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Results
Profile
Inputs
Preview
Unlock
5
Results
User, here is your illustration
Based on £1,500/month for 25
Using FCA-standard projection rates of 2%, 5% and 8% (COBS 13 Annex 2), your hypothetical ISA investment of £1,500 per month for 25 could result in a value within the ranges shown below.
These FCA-standard projection rates apply to all Stocks & Shares ISAs — including Shariah-compliant ISAs. These are illustrative examples only — not forecasts or personalised recommendations.
Low Growth
2%
£0
Medium Growth
5%
£0
High Growth
8%
£0
Data Sources
FCA Projection Rates (COBS 13 Annex 2): Firms must use 2%, 5% and 8% for low, medium and high projections. These apply universally to all Stocks & Shares ISAs, including Shariah-compliant ISAs.
HMRC — ISA rules and annual allowance (£20,000): Source: gov.uk/individual-savings-accounts
ONS Consumer Price Inflation Index (MM23): Inflation context only. Inflation is NOT applied to these scenarios.
Important Notes
Inflation is not applied in this tool. Figures shown are not inflation-adjusted.
These scenarios illustrate how different contribution amounts and time horizons may affect long-term outcomes. They are not predictions.
About Shariah-Compliant ISAs
Many users prefer Shariah-compliant ISAs to ensure their investments align with Islamic principles. This tool is educational only. If you would like to learn more about halal investment screening, our learning resources may help