Thanks Jeff, but that calculator only does one of those calcs, the investment growth one.
I need to:

Invest £1000 a month over 25 years (plus the additional £250 from tax relief) , assuming 5% pa investment growth and 2.75% inflation year on year. How much have I got at the end of the term?

Then I need to compare it to a mortgage of £1000 a month over the same period, on a house that cost £186,450, applying the annual inflation to show 'real value' of the total repayments over the 25 years, and how much has been 'made', assuming 5% pa increases in the value of the house.

You see?
(dozers, do fuck off ur a nob m8, Tue 11 Oct 2011, 21:44, 3 replies, latest was 14 years ago)

I do.
And you're fucked aren't you. :)
( JeffTheDogFucker Can you dig it?, Tue 11 Oct 2011, 21:45, Reply)

Saying that, I dare say we can work it out.
However, I am trying to update B3th's CV as well at the moment.
( JeffTheDogFucker Can you dig it?, Tue 11 Oct 2011, 21:46, Reply)

Looks ain't everything eh dozer?

( girlinthehole, Tue 11 Oct 2011, 21:45, Reply)

If only they were, B Girl, if only they were.

(dozers, do fuck off ur a nob m8, Tue 11 Oct 2011, 21:46, Reply)

Hmm.. I'm not sure if me helping PD is an admission of UGLY on my part.

( JeffTheDogFucker Can you dig it?, Tue 11 Oct 2011, 21:46, Reply)

I'm just saying that high cheekbones aren't going to get him through life successfully.

( girlinthehole, Tue 11 Oct 2011, 21:47, Reply)

Chicks dig my cheekbones.
Guys hate me because I'm better looking than them, effortlessly.
(dozers, do fuck off ur a nob m8, Tue 11 Oct 2011, 21:48, Reply)

Well if those chicks are going to pay your mortgage then woo!

( girlinthehole, Tue 11 Oct 2011, 21:51, Reply)

Is that a repayment mortgage you're quoting, on a 25 year term?

( JeffTheDogFucker Can you dig it?, Tue 11 Oct 2011, 21:49, Reply)

Yeah. But I'm trying to standardise things as much as possible, hence the 5% growth pa on the pension and the 5% growth pa on the house.
I also need to factor in the stakeholder pension management charge of 1.5% pa for the first 10 years, followed by 1% thereafter.
(dozers, do fuck off ur a nob m8, Tue 11 Oct 2011, 21:52, Reply)

You'll have to check the maths however....
If the 'house' was £186,450 in year one, then a 5% growth year-on-year in the value of the house would, I'm thinking look like this.

Year Total Value
2011 £ 186450
2012 £ 195772
2013 £ 205561
2014 £ 215839
2015 £ 226631
2016 £ 237963
2017 £ 249861
2018 £ 262354
2019 £ 275472
2020 £ 289245
2021 £ 303707
2022 £ 318893
2023 £ 334837
2024 £ 351579
2025 £ 369158
2026 £ 387616
2027 £ 406997
2028 £ 427347
2029 £ 448714
2030 £ 471150
2031 £ 494707
2032 £ 519443
2033 £ 545415
2034 £ 572686
2035 £ 601320
2036 £ 631386
( JeffTheDogFucker Can you dig it?, Tue 11 Oct 2011, 22:02, Reply)

Then all you've got to do
Is take the twelve grand per year and balance that against the value of the house on a year-by-year basis.

So 12 monthly payment of a grand in year one doesn't look like a great investment, but in year 25, you're paying fuck all for a 600k drum.

Winner.
( JeffTheDogFucker Can you dig it?, Tue 11 Oct 2011, 22:04, Reply)

Aren't you clever *beams*

( girlinthehole, Tue 11 Oct 2011, 22:05, Reply)

Not bad for a thickett for 4 GCSEs

( JeffTheDogFucker Can you dig it?, Tue 11 Oct 2011, 22:10, Reply)

ok, what formula did you use?
and to show the 'real' value of the repayments, the 12000 a year on the repayments need to be divided by 1.0275 to the power of 25 to show the value in today's money, amirite?
(dozers, do fuck off ur a nob m8, Tue 11 Oct 2011, 22:05, Reply)

Why do you want to revalue the twelve grand?

( JeffTheDogFucker Can you dig it?, Tue 11 Oct 2011, 22:11, Reply)

I'm trying to answer the question 'is an investor better to invest in a pension, or in a mortgage'?
Hence I am attempting to show what the pension pot would be after 25 years of tax relief at 20%, 5% growth year on year, with 1.5% AMC for the first ten years and 1% AMC for the next 15. I need to show it in today's money, so need to devalue by an estimated inflation rate of 2.75% pa.

Then the mortgage calc to compare return. I am also discussing pros and cons of each as an investment vehicle.

I am shit with numbers. Good with chicks.
(dozers, do fuck off ur a nob m8, Tue 11 Oct 2011, 22:30, Reply)

Hey PD
Any idea what insurance companies are based in Surrey?

I've seen this, and it's more than I'm charging on my current contract - but I'm concerned that the vague job-spec tells a story and the recruitment company are just fishing for C.Vs

www.jobserve.com/Business-Analyst-Solvency-II-550-day-Surrey-Temporary-W05387C4FD1F5EAD3.jsjob
( JeffTheDogFucker Can you dig it?, Tue 11 Oct 2011, 22:19, Reply)

Don't know.
Most are based in Edinburgh or London, with the odd regional exception.
(dozers, do fuck off ur a nob m8, Tue 11 Oct 2011, 22:32, Reply)

It's only a bit of curiosity at the moment.
They've been talking about extending my current contract, and I'm hoping I'll be able to increase my day rate at the same time, but not to the level advertised in that job-spec.
( JeffTheDogFucker Can you dig it?, Tue 11 Oct 2011, 22:38, Reply)