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Real Rate of Return

Real Rate Of Return On Your Savings

The Government has the overall responsibility for setting and achieving the inflation target. In good economic times the interest rates available to savers will outpace inflation. But we believe that savings accounts paying inflation plus a return must be made available to savers at all times.

The interest you receive on your savings may increases the amount of money in your account, but after inflation are you really any better off than when you first set them aside?

Our real rate of return calculator takes inflation into account to give you an idea of how much or little your savings might be worth in years to come.

Simply enter the amount of your savings, the interest rate you are receiving, the rate of tax you pay and an estimate for future inflation. Then decide in how many years time you might want to spend them. Click calculate and the Real Rate of Return calculator will show you how much they might be worth at today’s prices.

Enter the amount of savings £


e.g. 1000 do not enter a £ sign


Enter the rate of interest you are receiving:

% e.g. 2.3 do not enter a % sign


Select the rate of tax you pay:





Enter the annual rate of inflation you expect:

% – RPI inflation has been 2.9% and over the past year whilst CPI has been 2.4%, alternatively enter your own forecast for inflation.

In how many years time:

Try 5, 10 or 20 years to see just how much inflation can really damage your savings.

Click here to calculate

Click here to find out how much interest you must receive in order for your savings to maintain their value