Saving £100,000 in 2026
A Modern Wealth Blueprint for UK Households
Target
£100,000
Monthly Save
£1,200
2026 Allowance
£20k ISA
1. The Strategy: Invest, Don’t Just Save
In 2026, cash in a standard savings account rarely beats the cost of living for a family of four. To reach £100k in ~6 years, you must harness the power of the stock market through a Stocks & Shares ISA.
2. Choosing Your Investment Platform
Where you open your account matters. Some platforms are better for “Do-It-Yourself” (DIY) investors, while others manage the money for you (Robo-advisors).
Trading 212 Zero Commission
Great for beginners wanting fractional shares and no trading fees.
Visit Trading 212InvestEngine Low Cost
Specializes in low-cost ETF portfolios with powerful automation tools.
Visit InvestEngineAJ Bell (Dodl) Mobile First
A simplified, low-fee app designed to make investing jargon-free.
Visit DodlWealthify Robo-Advisor
Ideal for parents who want experts to build and manage a plan for them.
Visit WealthifyNutmeg Managed
One of the UK’s most popular robo-advisors with fixed allocation options.
Visit NutmegHargreaves Lansdown Premium
The UK’s largest platform. Massive choice and excellent research tools.
Visit HL.co.ukFreetrade Simple
A user-friendly app for buying stocks and ETFs with a monthly subscription.
Visit Freetrade3. The Projected Growth
Using a 5% annual return, here is how your £1,200 monthly commitment builds toward the £100k goal.
| Year | Total Invested | Market Value (Est) |
|---|---|---|
| Year 2 | £28,800 | £30,303 |
| Year 4 | £57,600 | £64,150 |
| Year 6.2 | £88,000+ | £100,000+ |
4. The Hidden Tax Win
As a higher-rate earner (£75k), don’t overlook your pension. You can claim back extra tax relief, which effectively “boosts” your net worth for every pound you save.
