Round-Up Savings Calculator
Round-up savings apps like Monzo, Starling, Plum and Moneybox round each card payment up to the nearest pound and sweep the difference into savings. It rarely feels like anything at the time — see what it actually adds up to over a month, a year, and invested over 5-10 years.
Estimate only. This calculator gives estimates for information only, not financial advice. The invested-instead projection is illustrative — investment growth isn't guaranteed and actual returns will vary.
Your round-ups beat deliberately saving £1 a day by £285 a year.
£1/day saved deliberately comes to £365 a year, for comparison.
Redirecting £54/month of round-ups into an investment growing at your chosen rate could add up to:
Grown from £3,250 paid in, plus £434 in growth.
Illustrative only, not investment advice — growth isn't guaranteed and this doesn't account for charges or tax.
- Set it up once and forget it — round-ups work best as a background habit, not something you have to remember to do.
- Sweep your round-up pot into a Stocks & Shares ISA or savings account monthly so it isn't just sitting earning nothing.
- Treat round-ups as a gateway habit, not the destination — once it feels painless, try adding a small deliberate monthly transfer on top.
Why round-ups add up faster than they feel like
A single round-up — a few pence here, 80p there — is genuinely too small to notice in the moment, which is exactly the point. Applied across dozens of card payments a week, the total is a real, meaningful amount by the end of the year, especially with an app's boost multiplier switched on. It won't replace a deliberate savings plan on its own, but as a friction-free way to start building a saving habit — and eventually redirect that money into something that grows — it's hard to beat.