Inflation Calculator
See what something will cost in future and how inflation erodes the value of your money.
Your result
Updates as you type. Based on 2025/26 UK figures where relevant.
How this is worked out
Future cost is today's price × (1 + inflation)^years. The real value of cash is today's amount ÷ that same factor.
Tips
- Pay off high-interest debt before saving beyond a basic emergency fund.
- Use your £20,000 ISA allowance each year where you can – it doesn't roll over.
- Check whether your savings rate beats inflation; if not, your money is losing value.
Guides for this calculator
More savings and loans calculators
Frequently asked questions
How does the inflation Calculator work?
Future cost is today's price × (1 + inflation)^years. The real value of cash is today's amount ÷ that same factor.
Are returns guaranteed?
No. Savings and investment projections are illustrations based on the rate you enter. Investments can go down as well as up.
What rate should I use for investments?
Many people test a cautious 4–5% and a more optimistic 6–7% to see a range of outcomes.
Is my savings interest taxed?
Basic-rate taxpayers have a £1,000 Personal Savings Allowance, higher-rate taxpayers £500. Interest inside an ISA is tax-free.
This calculator gives an estimate for general information. It isn't financial, tax, legal or medical advice. Check official figures on GOV.UK or NHS.uk, or speak to a qualified adviser.