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I save a fair bit more besides, this is the first year I've done a regular saver so it was purely down to curiosity not fretting about the possibility of an extra £20 come January.
Without going into the details of our regular savings account, with an average of £150/mth, you won't get an extra £20 on maturity. You'll be lucky to get £20 in total, even if a 13th payment were possible.
No, I think it will be less than £20, if I can get the 13th payment in then I'll have £2050 before interest. From my workings had I of got to this figure on equal monthly figures then it would have been around £20 on maturity
And then you may as well go full analyst and use (1+i)^(d/365) where d is the number of days to maturity. In any event the amount you can make from regular savers is so small I cba working this out manually.