a UK house, 2000 to December 2025

£10,000 in 2000 is £35,845 in today's money

That £10,000 was £23,965 in today's money. So you multiplied what you actually had by 1.5×, not 3.6×.

5.0% a year1.6% a year after inflation£35,845 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 £35,845, £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×
Cash at Bank Ratecash	£19,330	0.8×
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×
A UK house	£35,845	1.5×

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.