cash at Bank Rate, 2010 to July 2026

£10,000 in 2010 is £12,550 in today's money

That £10,000 was £18,388 in today's money. So in real terms you ended up with less than you put in, despite the bigger number.

1.4% a year-2.3% a year after inflation£12,550 in July 2026 money

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

Of £12,550, £18,388 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	£83,389	4.5×
A UK houseUK house, to December 2025	£16,885	0.9×
A 60/40 portfolio60/40, to June 2024	£38,060	2.1×
An 80/20 portfolio80/20, to June 2024	£55,674	3.0×
Just keeping up with pricesinflation, to December 2025	£18,388	1.0×
Cash at Bank Rate	£12,550	0.7×

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.