cash at Bank Rate, 1990 to July 2026

£10,000 in 1990 is £42,229 in today's money

That £10,000 was £33,286 in today's money. So you multiplied what you actually had by 1.3×, not 4.2×.

4.0% a year0.7% a year after inflation£42,229 in July 2026 money

Bank Rate is not a savings account. Real accounts pay less; treat this as a ceiling.

Of £42,229, £33,286 is money you put in and the rest is growth

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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
The S&P 500S&P 500, to June 2024	£429,115	12.9×
A UK houseUK house, to December 2025	£45,848	1.4×
A 60/40 portfolio60/40, to June 2024	£166,508	5.0×
An 80/20 portfolio80/20, to June 2024	£260,679	7.8×
Just keeping up with pricesinflation, to December 2025	£33,286	1.0×
Cash at Bank Rate	£42,229	1.3×

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.