a UK house, 1990 to December 2025

£10,000 in 1990 is £45,848 in today's money

That £10,000 was £33,286 in today's money. So you multiplied what you actually had by 1.4×, not 4.6×.

4.3% a year0.9% a year after inflation£45,848 in December 2025 money

UK house data ends December 2025, so that is where this stops — not today.

The average house price, with no rent, no mortgage, no upkeep and no transaction costs. A price, not a return.

Of £45,848, £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×
Cash at Bank Ratecash	£42,229	1.3×
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×
A UK house	£45,848	1.4×

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.