Interactive tool
Cash is not safe.
Watch what your savings actually buy, year by year, once tax and inflation have both had their turn. Adjust anything you like — the maths is honest either way.
£
% / yr
before tax
% / yr
Year 0 of 10
0.0% real change
What’s in the account
£10,000
Headline balance — the number on the screen
What it actually buys
£10,000
Real purchasing power, in today’s money — the number that matters
Interest of 3.5% becomes 2.10% after tax, against inflation of 3%.
Real return: −0.87% a year
Cash is the right home for money you need within about three years. Beyond that, the question is not which account pays most — it is whether this money should be cash at all.
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