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Explore savings purchasing power and gross-salary scenarios using dated UK inflation measures.
· ONS reference rates shown below are for August 2026.
Restoring your saved inflation inputs…
1–30
£0–£10,000,000
0–100
£0–£10,000,000
-20–50
Custom share links include your savings, salary and inflation assumptions in the URL; they are not encrypted.
Nominal pounds compared with today’s pounds at a constant 3.1% CPI rate
Savings projection (£; table values show pence)
| Year | Nominal balance | Real value in today’s pounds | Amount to preserve starting savings purchasing power |
|---|---|---|---|
| Year 0 | £50,000.00 | £50,000.00 | £50,000.00 |
| Year 1 | £50,000.00 | £48,496.61 | £51,550.00 |
| Year 2 | £50,000.00 | £47,038.41 | £53,148.05 |
| Year 3 | £50,000.00 | £45,624.07 | £54,795.64 |
| Year 4 | £50,000.00 | £44,252.25 | £56,494.30 |
| Year 5 | £50,000.00 | £42,921.68 | £58,245.63 |
| Year 6 | £50,000.00 | £41,631.11 | £60,051.24 |
| Year 7 | £50,000.00 | £40,379.35 | £61,912.83 |
| Year 8 | £50,000.00 | £39,165.23 | £63,832.13 |
| Year 9 | £50,000.00 | £37,987.61 | £65,810.92 |
| Year 10 | £50,000.00 | £36,845.41Selected projection value | £67,851.06 |
Assumed gross salary increase compared with constant-rate inflation adjustment
Salary projection (£/year)
| Year | Gross salary | Gross salary in today’s pounds |
|---|---|---|
| Year 0 | £50,000 | £50,000 |
| Year 1 | £51,500 | £49,952 |
| Year 2 | £53,045 | £49,903 |
| Year 3 | £54,636 | £49,855 |
| Year 4 | £56,275 | £49,806 |
| Year 5 | £57,964 | £49,758 |
| Year 6 | £59,703 | £49,710 |
| Year 7 | £61,494 | £49,662 |
| Year 8 | £63,339 | £49,613 |
| Year 9 | £65,239 | £49,565 |
| Year 10 | £67,196 | £49,517Selected projection value |
Purchasing power of your current savings after 10 years; rates are scenarios, not forecasts
Rate sensitivity (£; table values show pence)
| Assumed annual inflation | Purchasing power remaining | Nominal amount to match today |
|---|---|---|
| 0% | £50,000.00 | £50,000.00 |
| 1% | £45,264.35 | £55,231.11 |
| 2% | £41,017.41 | £60,949.72 |
| 3% | £37,204.70 | £67,195.82 |
| 3.1% (selected ONS rate) | £36,845.41Selected projection value | £67,851.06 |
| 4% | £33,778.21 | £74,012.21 |
| 5% | £30,695.66 | £81,444.73 |
| 6% | £27,919.74 | £89,542.38 |
The real savings figure shows today’s purchasing power of the projected nominal balance. It assumes the selected August 2026 rate repeats each year. To preserve today’s £50,000.00 purchasing power from the starting balance alone would require £67,851.06; that target excludes future additions. Salary change is before tax, pension, fees and bonuses.
Each year-end addition stays fixed in nominal pounds at the selected percentage of starting savings; its real value is reduced for the cumulative inflation since it was added. No savings interest or investment return is included, so this is an inflation-only scenario, not a forecast. ONS publishes RPI, but it is not designated as an accredited official statistic.
ONS August 2026 reference rates: CPI 3.1%, CPIH 3.3%, RPI 3.4%. CPI, CPIH and RPI are UK measures; this tool does not estimate separate regional inflation for England, Wales, Scotland or Northern Ireland. Figures omit tax, fees and changes in spending quantities and are not financial advice. Salary is rounded to whole pounds; savings to pennies.
URL inputs take priority over saved inputs (only with UK functional-storage consent), then the editable sample. Saved inputs stay in this browser. Manage them in Export my data.
Explore how a dated UK inflation reference rate could affect savings purchasing power and gross salary under assumptions you choose.
Choose CPI, CPIH or RPI, a projection length, current savings, annual additions as a percentage of starting savings, and an assumed gross salary change. Projections repeat the selected ONS August 2026 rate each year; they are scenarios, not forecasts. The tool does not calculate personal inflation, tax, fiscal drag, pension outcomes or investment returns.
Official UK statistics and public policy sources used for this page’s inflation explanations and assumptions.