a UK house, 2010 to December 2025

£10,000 in 2010 is £16,885 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.

3.3% a year-0.5% a year after inflation£16,885 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 £16,885, £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×
Cash at Bank Ratecash	£12,550	0.7×
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×
A UK house	£16,885	0.9×

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.