the S&P 500, 1975 to June 2024

£10,000 in 1975 is £5,462,896 in today's money

That £10,000 was £130,206 in today's money. So you multiplied what you actually had by 42.0×, not 524×.

13.5% a year7.9% a year after inflation£5,238,142 in June 2024 money

S&P 500 data ends June 2024, so that is where this stops — not today.

Total return in sterling, dividends reinvested, before costs and tax.

Of £5,462,896, £130,206 is money you put in and the rest is growth

The card that appears when you share this link

The same money elsewhere

Same amount, same years, same contributions. Figures are in today's money, after any charges, before tax.

Instead	In today's money	Real multiple
A UK houseUK house, to December 2025	£259,729	2.0×
Cash at Bank Ratecash	£231,269	1.8×
A 60/40 portfolio60/40, to June 2024	£1,526,284	11.7×
An 80/20 portfolio80/20, to June 2024	£2,789,555	21.4×
Just keeping up with pricesinflation, to December 2025	£130,206	1.0×
The S&P 500	£5,462,896	42.0×

What this leaves out

Tax, dealing costs and the spread. Anyone actually saving would have changed their mind at least once. Past returns are a record of what happened, not a forecast — the future is genuinely unknown, and none of this is advice.