Last updated: April 2026
Projection, not prediction
This calculator uses constant assumed annual returns, not live market data. Bitcoin and stock-market returns vary dramatically year to year. Past performance does not predict future returns.
Bitcoin at 30%/yr
£68,929
S&P 500 at 10%/yr
£12,969
Difference: £55,961 in favour of Bitcoin.
| Metric | Bitcoin | S&P 500 |
|---|---|---|
| Final value | £68,929.25 | £12,968.71 |
| Total return | 1,278.58% | 159.37% |
| Annualised | 30% | 10% |
| After tax | £57,961.98 | £12,074.34 |
Many advisers suggest limiting speculative assets like Bitcoin to a small part of a diversified portfolio, often around 1-5%, so downside risk is controlled while potential upside is still captured.
Since its creation, Bitcoin has delivered much higher absolute returns than the S&P 500 over some long periods, but with extreme volatility and multiple drawdowns of 50-80%. The S&P 500 has generally offered steadier growth with lower volatility, which is why it is more often used as a core diversified holding.
There is no universal rule. For many investors, cryptocurrency is a speculative satellite holding rather than a core holding. The right allocation depends on your risk tolerance, time horizon, and financial situation.
This calculator is designed to help you understand the likely number before you make a decision or start an application.
Your result should be checked against official UK guidance, especially if your circumstances include dependants, exemptions, prior leave, or a complex immigration history.
Treat the figure as a planning tool rather than legal advice. Where the answer affects an application deadline or major payment, speak to an authorised adviser.
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