Short answer
At £100/month, starting from birth projects about £34,000 by 18
Starting at age 5 projects about £21,525. Starting at age 10 projects about £11,651. Same monthly contribution, very different runway.
| Starting age | Contributed | Projected at 18 | Today's money |
|---|---|---|---|
| Age 0 | £21,600 | £34,040 | £21,825 |
| Age 5 | £15,600 | £21,525 | £15,615 |
| Age 10 | £9,600 | £11,651 | £9,563 |
Educational projection only. This is not financial advice or a promise of investment returns.