Risk and return on the same napkin
Every investing conversation eventually hits the same wall: chasing return without naming risk. This calculator keeps both ideas on one screen so you can talk about trade-offs without pretending a spreadsheet knows your sleep quality.
Keep expectations humble
Volatility inputs are not destiny, and past return is not a forecast. Use the page to frame questions for a broader plan—emergency fund first, then long-horizon assets you understand. US and UK product wrappers change after-tax results; they are not modeled here in full.