BSc (Hons) Mathematics with Theoretical Physics · University of PlymouthBachelor's degree · 3 years
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University of Plymouth · Undergraduate

BSc (Hons) Mathematics with Theoretical Physics Bachelor's degree at the University of Plymouth

BSc (Hons) Mathematics with Theoretical Physics at University of Plymouth combines core mathematical theory with theoretical physics, covering research methods, applied practice, specialist options, an independent project, and professional skills development.

BSc (Hons)
Award
3
Years
Full-time
Study mode
90%
in work/study (15m)

About this course

BSc (Hons) Mathematics with Theoretical Physics is a Bachelor's degree (BSc (Hons)) at the University of Plymouth, based in University of Plymouth Campus. It runs 3 years, studied full-time.

For Physical sciences graduates from this provider, 90% were in work or further study 15 months after graduating, 85% in highly skilled roles, typical earnings around £26,500. (HESA Graduate Outcomes / LEO, via Discover Uni.)

For the typical curriculum, specialisations, career paths and graduate earnings for Physics & Chemistry, see the sections below.

Course evidence score

The arithmetic mean of the official measures available for this course: NSS satisfaction, graduate activity and continuation.

8.8
/ 10
Excellent
3 of 3 official measures
Student satisfaction
What students say in the National Student Survey
Exceptional93

Published threshold met NSS publication requires sufficient responses; small differences are not a rank. NSS mean of 7 published themes (Discover Uni snapshot 2026-06-21)

Graduate outcomes
In work or further study 15 months after graduating
Exceptional90

Limited evidence Published sample: 25; treat comparisons cautiously. Cohort 2021-23. Graduate Outcomes work or further study 90% (2022-23; Discover Uni snapshot 2026-06-21)

Continuation
Students who continue past their first year
Excellent80

Published threshold met Discover Uni suppresses continuation data below its publication threshold. Cohort 2021-23. Continuation 80% (2021-23; Discover Uni snapshot 2026-06-21)

Curriculum & modules

Real modules published for this course, grouped only where the source gives a year, stage or level.

Stage 1 1 modules
  • Mathematics Placement PreparationCore
    Module details

    Undertaking a sandwich-year placement (also known as an industrial or work placement) offers many benefits, including valuable hands-on work-experience and enhanced employability. This module is for first-year students who may undertake a placement in their third year. It is designed to support students in exploring placement opportunities and developing the skills and knowledge required to successfully secure one.

Year 1 6 modules
  • CalculusCore20 credits
    Module details

    Calculus is to degree level maths what algebra is to A level - being confident and competent is key! In this module you will consolidate your existing knowledge of calculus with a strong emphasis on the 'why', not just the 'how'. You will quickly move on to higher dimensions as you meet partial differentiation and multiple integrals. This module is the launchpad for most of the maths you will meet during your degree.

    Assessment: 60% Examinations 40% Coursework

  • Analysis and Group TheoryCore20 credits
    Module details

    Group theory is a foundational part of pure mathematics. The language of symmetry, groups arise in many branches of science, including descriptions of elementary particles in the Standard Model of particle physics. This module also provides the theoretical foundation of calculus, through infinite 'limits', known as analysis. Learn materials and skills used across mathematics, including rigorous mathematical proof.

    Assessment: 60% Tests 40% Coursework

  • Mathematical ReasoningCore20 credits
    Module details

    So you want to be a mathematician? This is the module that will set you up with the analytical and problem-solving techniques to become a good mathematician. You will learn to speak the language of mathematics, you will appreciate the beauty of a well-constructed proof, and you will be laying firm foundations for the rest of your maths degree.

    Assessment: 60% Coursework 40% Tests

  • Linear AlgebraCore20 credits
    Module details

    Vectors and matrices are the building blocks of computation, and key tools in statistics, physics and data science. This module develops practical skills in handling vectors and matrices, explores the mathematical structure of vector spaces, and explores their deep connections with geometry.

    Assessment: 60% Examinations 40% Coursework

  • Numerical MethodsCore20 credits
    Module details

    Computers are needed to solve mathematical problems. You'll be introduced to computational mathematics and algorithms. We'll help you to learn Python programming, a skill extensively used in industry. You'll learn a range of numerical methods needed to solve problems in industry, science and finance.

    Assessment: 60% Examinations 40% Coursework

  • Fundamentals of Data ScienceCore20 credits
    Module details

    Understanding uncertainty and randomness is fundamental for data science and many areas of mathematics. This module provides you with a solid framework for successfully understanding data science and statistical modelling concepts. We'll teach you state-of-the art tools for visualising and making decisions from multiple data sources. You'll also meet widely applicable mathematical results which underpin much of science.

    Assessment: 100% Coursework

Stage 2 1 modules
  • Stage 2 Mathematics Placement PreparationCore
    Module details

    A year-long work placement is a valuable opportunity to gain hands-on experience and develop skills that will enhance future career prospects. This module prepares students to begin their placement search by providing practical guidance on where to look, how to apply, and how to present themselves effectively to potential employers; featuring insights from students who have recently returned from their own placements.

Year 2 6 modules
  • Advanced CalculusCore20 credits
    Module details

    Mathematical functions can depend on more than one variable. For instance, a weather map shows the temperature as a function of latitude and longitude. You will learn how to differentiate and integrate such functions. The resulting multi-variable calculus is readily applied to vectors. With the new tools at hand, you can finally overcome the limitations of one-dimensional maths and enjoy the freedom of higher dimensions.

    Assessment: 70% Examinations 30% Coursework

  • Algebra and TransformsCore20 credits
    Module details

    This module introduces you to objects called rings and fields, capturing the fundamental structure underlying the integers, polynomials, and more. You'll see real-world applications like error-correcting codes, used to fix errors in digital communication. You'll also explore Laplace and Fourier transforms, tools that turn tough problems into simpler ones and apply these to solve differential equations from mechanics.

    Assessment: 70% Examinations 30% Coursework

  • Differential EquationsCore20 credits
    Module details

    Learn how to model change in the world around us. From predicting the weather to understanding ecosystems and disease spread, differential equations are key. You'll study the maths behind these processes, solve equations both analytically and with computational tools, and explore dynamical systems to see how mathematics captures the complexity of the real world.

    Assessment: 70% Examinations 30% Coursework

  • Operational ResearchCore20 credits
    Module details

    Operational Research uses mathematics to solve problems in the management of complex systems. Applications include designing efficient queues and organising the running of patient services in hospitals. You will work on open-ended case studies in Operational Research using simulation methods. These tasks will improve your teamwork, presentation skills and programming, so enhancing your employability.

    Assessment: 75% Coursework 25% Practicals

  • Complex Analysis and Vector CalculusCore20 credits
    Module details

    Swirling storms, rocket paths, and spinning planets are all described by powerful mathematics. You'll use vector calculus to explore real-world forces like circulation and vorticity. You'll have the power to analyse how fluids move and how planets stay in orbit. We'll also dive into the beautiful world of complex functions which has surprisingly deep applications across science and engineering.

    Assessment: 70% Examinations 30% Coursework

  • Data ModellingCore20 credits
    Module details

    Science, medicine, industry, AI and social media all rely on data. We'll teach you state-of-the art tools for working with multiple data sources. You'll work with a rich range of mathematical models for data generation processes. We'll see how to gain knowledge about these models from observations. These including computational methods with broad applications including simulating physical and chemical systems.

    Assessment: 100% Coursework

Placement Year 1 modules
  • Mathematics and Statistics PlacementCore20 credits
    Module details

    A year-long work-placement, undertaken with an approved placement provider and in a role relevant to the students programme. Students will leave with practical and relevant work experience, where they put theory into practice. This module is attached to the Placement and provides students with a single digital space to refer to for key reminders, FAQs, contact details, top tips and their Placement-year handbook.

    Assessment: 80% Coursework 20% Practicals

Year 3 4 modules
  • Partial Differential EquationsCore20 credits
    Module details

    Partial differential equations - PDEs - provide the mathematical language to explain how the world moves, changes and evolves. You'll explore both analytical and numerical methods to tackle these equations and apply them to real-world challenges. From modelling the spread of pollutants, to understanding waves, and quantum and nonlinear systems, you'll see how PDEs shape science, engineering, and more.

    Assessment: 70% Examinations 30% Coursework

  • Quantum ComputingCore20 credits
    Module details

    Quantum mechanics describes physical systems at the atomic and molecular scale. This allows properties of matter and its interactions with light to be modelled, and these models underpin the rapid development of quantum computing. We'll introduce you to the principles and applications of quantum computing and you'll learn how to program quantum computers.

    Assessment: 50% Coursework 50% Examinations

  • Relativity and CosmologyCore20 credits
    Module details

    E = mc2 is Einstein's equation connecting energy with mass and the speed of light. You will learn how this equation arises by studying exciting topics in special and general relativity. These include time dilation and space-time curvature - vital for GPS apps. Mastering these topics will help you to understand modern cosmology, the expanding universe and dark matter.

    Assessment: 70% Examinations 30% Coursework

  • Fluid DynamicsOptional20 credits
    Module details

    Fluids are everywhere - the ocean, the atmosphere and the sauces you put on your food! We'll teach you how to use mathematics to model a variety of fluid flows and solve the resulting equations. You'll meet a variety of theoretical and p

Source: provider course page. Modules can change; required/optional status, credits, descriptions and assessment are shown only when explicitly published.

Course in depth

What this course covers, who it suits and where it leads.

What you'll study

This course integrates advanced mathematics with theoretical physics to develop your understanding of fundamental physical principles and their mathematical foundations. You'll usually begin with core physics and mathematics essentials, mechanics, matter, energy and the calculus you'll need, alongside practical laboratory skills. In Year 2, you'll move into quantum and thermal physics, mathematical methods for solving real problems, and more advanced experimental and computational work. By Year 3, you'll choose from specialist options such as astrophysics, materials science, quantum science, or computational methods, while undertaking research-level seminars taught by active researchers and completing a supervised research project in a physics group.

Who it's for

This course suits students with strong mathematical and physics foundations. Most accepted students held A-levels or equivalent qualifications, with typical UCAS tariff points ranging from 112 to 127. You'll need to be comfortable with abstract theory and independent study, particularly in the final-year independent project component.

Careers & job market

Across Physics and Chemistry courses nationally, 85% of graduates are in work or further study within 15 months of graduating. Of those working, 75% are in highly skilled roles or pursuing further study. National earnings data shows starting salaries (at 15 months) typically range from £26,500 to £34,000, rising to £30,600–£43,200 after five years. These figures reflect the broader graduate outcomes landscape rather than guarantees specific to this programme. Check the university's funding pages for information on bursaries and scholarships.

University & format

BSc (Hons) Mathematics with Theoretical Physics is a 3-year full-time degree at the University of Plymouth, delivered in English on the main campus. The University of Plymouth is a recognised UK degree-awarding body, and the course has received a Gold award for teaching quality in the Office for Students' TEF 2023.

Student satisfaction

How students on this course answered the National Student Survey, by theme.

The teaching on my course
98%
Learning opportunities
93%
Assessment and feedback
90%
Academic Support
96%
Organisation and management
93%
Learning resources
92%
Student voice
88%

Share of students responding positively.

Published threshold met NSS publication requires sufficient responses; small differences are not a rank. NSS mean of 7 published themes (Discover Uni snapshot 2026-06-21)

Applicant information

The next application dates for this course, followed by facts the provider publishes.

Application timelineWhat happens next
  1. 2027 entryCompleted applications can be submitted

    Your application needs a reference before you can send it.

  2. 2026 entryFinal date for 2026 applications

    Applications must reach UCAS by 18:00 UK time.

  3. 2026 entryLast day to add a Clearing choice

    Check that this course still has a vacancy before adding it.

  4. 2027 entryEqual-consideration deadline

    18:00 UK time for most undergraduate courses.

Show 5 later dates
  1. 2027 entryUCAS Extra opens

    Applicants who used all five choices and hold no offer may be able to add another choice.

  2. 2027 entryLast day applications go directly to providers

    Applications received after 18:00 UK time are entered into Clearing.

  3. 2027 entryClearing opens

    Eligible applicants can see vacancies and release themselves into Clearing.

  4. 2027 entryFinal date for 2027 applications

    Applications must reach UCAS by 18:00 UK time.

  5. 2027 entryLast day to add a Clearing choice

    Check that this course still has a vacancy before adding it.

Published entry112 UCAS points typical offer

Provider-published requirement; check the linked course page before applying.

Entry & how to get in

Typical offer (from the provider)The university’s course page lists a typical A-level offer of 112 UCAS points. Always check the provider for the current offer and subject requirements.
Most entrants held A-levels or equivalent95% of accepted students came in with A-levels or equivalent (entrants over recent years).
Typical UCAS tariff: 112 - 127 pointsThe most common UCAS tariff band among accepted students. This is what entrants had, not a stated requirement.
Entry requirements are set by the universityGrades, subjects and contextual offers vary. Check the University of Plymouth's official course page for the current offer.

Who gets in

What recently admitted students actually held, official admissions data, not a stated requirement.

UCAS tariff of entrants

Grades are the A-level equivalent of each points band. Tap a band to check your own chances below.

Qualifications held on entry

QualificationShare
A-levels or equivalent95%
another higher-education qualification5%
an Access course5%

Entry & your chances

An honest read from the official entry data, plus your personal match.

Offer-based entry

Entry is set by the university and based on your offer. Use your predicted grades to see how you compare, then check the university's stated requirements.

Will you get in? Plot your grades

Pick your predicted A-levels and watch your UCAS points land on the real spread of students admitted to this course.

Each bar is the share of admitted students in that UCAS-points band (lower → higher). Grades show the A-level equivalent.

Add your grades to see where you land

Your points will drop onto the distribution above, with an honest above / within / below read.

Based on the official admitted-student tariff distribution. Many universities make contextual (reduced-grade) offers, so a result below the range doesn’t rule you out.

How to apply

Undergraduate applications go through UCAS. Here’s what matters for this course, the right deadline, the grades to aim for, and the steps in order.

Apply by13 January 2027, 18:00 UK timefor this course
Typical gradesBBBA-level equivalent admitted students held
  1. 1
    Register on UCAS Hub

    Create your UCAS application and add this course. One application covers up to five choices.

  2. 2
    Write your personal statement

    A single statement covers all your choices, so keep it broad enough for similar courses while showing genuine interest in this subject.

  3. 3
    Submit by 13 January 2027, 18:00 UK time

    UCAS equal-consideration deadline for most undergraduate courses. Source: UCAS 2027 dates.

  4. 4
    Reply to your offers

    When decisions are in, pick a firm (first) choice and an insurance (back-up) choice with slightly lower grades.

  5. 5
    Results day & confirmation

    On results day (mid-August) your place is confirmed if you meet the offer. Just missed? Talk to the university, or find a place through Clearing.

💡 Many universities make a contextual (reduced-grade) offer, for example based on your school’s results, time in care, or where you live. Ask University of Plymouth whether you’re eligible before you apply; it can lower the grades you need.

Fees & funding

What this course costs and how UK student finance covers it.

Tuition per year

Homeup to £9,790 / yr
International£20,000 / yr

Provider fee page (England 2026/27 cap where not stated).

Check fees at University of Plymouth →

For students who normally live in England

illustrative Maintenance Loan per year
£9,790tuition used per year, illustrative full-time England fee-cap scenario
illustrative borrowing over 3 years

2026/27 Student Finance England figures. Maintenance support is means-tested and this two-point view is not an entitlement calculator. The course total uses its published length and home fee where both are available; a missing full-time fee uses the clearly labelled England-cap scenario, while part-time fees and unknown lengths are never guessed. Use the official calculator. Scotland, Wales and Northern Ireland use separate systems: SAAS, Student Finance Wales, and Student Finance NI.

Starting on or after 1 January 2027?

The Lifelong Learning Entitlement is a separate system. A new learner’s tuition entitlement is currently stated as £39,160 (about 480 credits at 2026/27 fee levels), subject to prior study and eligibility. Check the official LLE guide.

Paying for it

  • Tuition Fee Loan: can cover eligible tuition up to the applicable limit and is paid straight to the provider.
  • Maintenance Loan: up to £10,830/yr away from home outside London (England, 2026/27), means-tested on household income.
  • Repayment: 9% of income above £25,000, nothing below it; written off after 40 years.
  • Earn alongside: most students work part-time in term, part-time roles on the StudySmarter job board.

England figures shown; Scotland, Wales & NI run their own schemes, check gov.uk.

Funding matched to this course

Scholarships & bursaries you could qualify for

All University of Plymouth funding →
No verified named award is shown for this provider yet.

That does not mean no funding exists. Check the university directory for current amounts, eligibility and application dates.

We only display a named award when its provider source identifies the award and who it is for.

StudyKit · free

Still deciding what to study?

StudyKit brings course choice, applications and funding together in one place, with a personal AI assistant. Find what really fits you and start your UCAS application step by step.

Career quizApplication walkthroughSalary & CV check

Careers & earnings

What Physics & Chemistry graduates actually earn, from real outcome data, 15 months, 3 years and 5 years after graduating.

Graduate earnings: this course

WhenMedianTypical rangeGraduates
15 months after£26,500£22,500 – £30,00025
3 years after£24,500£21,500 – £28,50065
5 years after£32,000£26,500 – £38,00070

Nominal earnings for graduates of this course/subject at this provider. Limited evidence. Published sample: 25; treat comparisons cautiously. Cohort 2021-23.

Graduate outcomes, 15 months on: this course

90%
in work or further study 15 months on
85%
in highly skilled work or study
80%
continue past their first year
90%
find their work meaningful
75%
say work fits their future plans
  1. 1Graduate roleFirst role after the degree · 0–2 yrs
  2. 2Specialist / PractitionerWorking in physics & chemistry · 2–5 yrs
  3. 3Senior / LeadLeading work and people · 5–10 yrs
  4. 4Head of / ExpertSenior leadership or deep expertise · 10+ yrs

How pay grows: this course vs Physics & Chemistry nationally

Starting (15 months) HESA GO
£26,500
£26,500 – £34,000
After 3 years LEO
£24,500
£24,650 – £34,800
After 5 years LEO
£32,000
£30,600 – £43,200
national rangethis course’s medianaxis £23,000 – £45,000

National figures for Physics & Chemistry graduates, HESA Graduate Outcomes (15 months) and the Longitudinal Education Outcomes (LEO) dataset (3 & 5 years). These are national, not university-specific; actual pay varies by employer, region, role and experience. Different cohorts, so the bars are not one group over time.

Work out your pay

Headline figures hide a lot. Calculate realistic take-home pay for this field by role, region and experience, then check your CV before you apply.

What happened to 100 students?

Choose an outcome to translate the published percentage into a simple 100-person view. Each dot represents one percentage point, not an individual tracked student.

90 of 100

were in work or further study

15 months after graduation

50% working20% working and studying10% in further study85% in highly skilled work or study

Source: Discover Uni, using Graduate Outcomes and continuation data. Cohorts: 2022-23. Limited evidence. Published sample: 25; treat comparisons cautiously. Cohort 2021-23. Each tab is a separate published measure; categories can overlap and should not be added together.

Value compared with similar courses

How this course’s 5-year median earnings compare with Physics & Chemistry courses at the same study level.

This course £32,000Peer median £36,000Middle 50% £32,000–£38,500
27th percentile

Compared with 886 courses with compatible official earnings data. This is a course-value comparison, not a quality ranking.

UK occupations graduates enter

Published graduate destinations, joined conservatively to UK SOC 2020, ONS pay and Skills England demand.

  • Science, engineering and technology associate professionalsSOC 2020 31 · 30% of published destinations · ASHE median £34,828
  • Natural and social science professionalsSOC 2020 211 · 25% of published destinations · ASHE median £44,243
  • Sales occupationsSOC 2020 71 · 15% of published destinations · ASHE median £15,975
  • Engineering professionalsSOC 2020 212 · 10% of published destinations · ASHE median £50,325
  • Finance ProfessionalsSOC 2020 242 · 10% of published destinations · ASHE median £47,173

Discover Uni JOBLIST/JOBTYPE; ONS ASHE 2025 provisional, all employee jobs; Skills England Occupations in Demand 2025. SOC is shown only for an exact normalised label match; demand is shown only at exact four-digit SOC. Published sample: 50; response rate: 65%. Pay describes the occupation across workers, not a guaranteed graduate salary.

Job market & outlook

How Physics & Chemistry graduates fare in the labour market, and how AI is reshaping the work.

85%
in work or further study 15 months after graduating, across Physics & Chemistry courses nationally.
Graduate Outcomes
75%
of working graduates are in highly skilled work or further study.
highly skilled
90%
of students continue past their first year (still enrolled or completed).
continuation

How AI is changing the work

AI doesn't replace the profession, it shifts it: routine tasks get automated, while judgement, working with people and using AI well become more valuable.

What AI takes off your plate

  • Routine information gathering
  • First-draft writing and summaries
  • Standard analysis and admin
  • Repetitive processing tasks

More human than ever

  • Judgement and original thinking
  • Working with and leading people
  • Owning and sense-checking AI output
  • Ethics and accountability

The strongest graduates pair subject depth with the ability to use AI tools critically.

Roles & employers

Where Physics & Chemistry graduates typically go, indicative destinations from graduate career data. Each role links to live openings on the StudySmarter job board.

Where they work

  • Research institutes
  • Energy & manufacturing
  • Universities
  • Government labs

Is this course right for you?

The essentials UK applicants ask about: finance, outcomes, entry and quality.

💷

Student finance

For comparison, the standard full-time England tuition cap is up to £9,790 per year in 2026/27; the actual fee varies by course and provider. If you normally live in England, eligible students can apply for a Tuition Fee Loan, plus a Maintenance Loan for living costs. Under Plan 5 you repay 9% of income above £25,000, nothing below that, and the balance is written off after 40 years.

📈

Where graduates go

90% were in work or further study 15 months after graduating, with a median salary of £26,500. See the full breakdown in Careers & earnings above.

🎯

Your entry chances

Use the UCAS points calculator above to see how your predicted grades compare with admitted students, and whether a contextual offer could apply.

Official-data snapshot

Averaging the official measures published for it, this course scores 8.8 out of 10: NSS 92.9% · in work or study 90% · continued 80%.

Who studies here and in this subject?

Provider- and UK subject-level context.

University of Plymouth

All students17,945
International11.9%
Aged 25+29.8%

Physical sciences across the UK

Students64,325
Aged 25+17.8%

HESA student record 2024/25. Counts are rounded.

Local crime-data context

A neutral snapshot around the published teaching location.

Around University of Plymouth Campus

3,218 street-level reports returned within roughly one mile across 2026-04 to 2026-06.

Violent Crime 1377Anti Social Behaviour 487Shoplifting 312Criminal Damage Arson 243Public Order 222

Police.uk street-level API. Approximate locations, not confined to campus. England, Wales and Northern Ireland; not Scotland.

Is Physics & Chemistry right for you?

Tick what applies to you and see how good a fit it is.

International students

What applying to University of Plymouth from outside the UK involves: fees, English, visa, funding and living costs.

Tuition fees

International tuition is £20,000 / year for this course (from the provider’s fee page). You’re not eligible for UK Tuition Fee or Maintenance Loans, so plan for fees plus living costs upfront.

English language

Most UK undergraduate courses ask for around IELTS 6.0–6.5 (no band below 5.5–6.0), or an accepted equivalent. If you’re just short, most universities run a pre-sessional English course that counts towards the requirement.

Student visa

You’ll usually need a Student visa (Student Route). After you accept an offer the university issues a CAS; you then show funds for fees plus about £1,023–£1,334/month living costs and pay the Immigration Health Surcharge for NHS access.

Scholarships & funding

Many universities offer international/global scholarships (often £2,000–£6,000/yr), check University of Plymouth’s funding pages.

Living costs

Budget roughly £1,100–£1,400/month outside London and £1,400–£1,800/month in London for rent, food and travel; the figure also matters for your visa.

Working while you study

A Student visa usually allows up to 20 hours/week in term time and full-time in holidays, useful alongside study, though not something to rely on for fees.

Visa rules and fees change. Always confirm the current requirements with University of Plymouth and gov.uk before you apply.

Common questions

Entry is offer-based and set by the university. The most common tariff band among recent entrants was 112 - 127 UCAS points. Use the calculator on this page to see where your predicted grades would put you; many universities also make lower contextual offers.
Set by the University of Plymouth. Most accepted students held A-levels or equivalent. Check the university's course page for the exact offer.
For Physical sciences graduates from this provider, 90% were in work or further study 15 months after graduating, 85% in highly skilled roles, typical earnings around £26,500. (HESA Graduate Outcomes / LEO, via Discover Uni.)
For comparison, the standard full-time England tuition cap is up to £9,790 per year in 2026/27; the actual fee varies by course and provider. If you normally live in England, eligible students can apply for a Tuition Fee Loan, plus a Maintenance Loan for living costs. Under Plan 5 you repay 9% of income above £25,000, nothing below that, and the balance is written off after 40 years. See Fees & funding on this page to work out your numbers.
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