cash at Bank Rate, 2000 to July 2026

£10,000 in 2000 is £19,330 in today's money

That £10,000 was £23,965 in today's money. So in real terms you ended up with less than you put in, despite the bigger number.

2.5% a year-0.8% a year after inflation£19,330 in July 2026 money

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

Of £19,330, £23,965 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	£79,826	3.3×
A UK houseUK house, to December 2025	£35,845	1.5×
A 60/40 portfolio60/40, to June 2024	£44,269	1.8×
An 80/20 portfolio80/20, to June 2024	£58,371	2.4×
Just keeping up with pricesinflation, to December 2025	£23,965	1.0×
Cash at Bank Rate	£19,330	0.8×

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.