swanlowpark compare price-inflation, savings-accounts and index-tracker funds using Savings Calculator

Savings Calculator

How well are your savings retaining their value?

Compare inflation with cash-ISAs and stocks-and-shares-ISAs

Compare your pension fund performance to a FTSE-All-Share index-tracker

    • Annual Amt   Start Year   End Year
    •     

Please Correct Amount

   

YearAmount Amount(CPI)CPI Amount(int%)int% Amount(FTSE)FTSE
20065,000 5,000.00  5,000.00  5,000.00 
20070 5,105.002.1 5,277.505.55 5,228.504.57
20080 5,263.263.1 5,546.125.09 3,624.40-30.68
20090 5,415.892.9 5,668.692.21 4,688.8829.37
20100 5,616.283.7 5,827.422.80 5,334.0713.76
20110 5,852.164.2 5,987.672.75 5,109.51-4.21
20120 6,010.172.7 6,155.332.80 5,699.6611.55
20130 6,130.372.0 6,264.281.77 6,843.0120.06
20140 6,161.020.5 6,356.991.48 6,872.430.43
20150 6,173.350.2 6,445.981.40 6,926.040.78
20160 6,272.121.6 6,525.271.23 8,027.2815.90
20170 6,460.283.0 6,590.521.00 9,038.7112.60

Example
I saved 5000.00 during 2006.
What is the value of those savings at the end of 2017?
Amount=5000, Start year=2006, End year=2006.
Answer: At end 2017 allowing for inflation 6,460
If invested in a savings account: maybe 6,591
If invested in Stock Market: maybe 9,039

Start Year: The calculator increases the amount from the end of Start Year onwards. If I had invested 5,000.00 in January 2006, I should use Start year=2005.

Single Amount: Make Start Year and End Year the same year.

FTSE based on FTSE All-share index-tracker funds

Example - two stock market recessions in ten years

2000-2002 Crash after technology bubble, 2007-2008 Global Financial Crisis
YearAmount Amount(CPI)CPI Amount(int%)int% Amount(FTSE)FTSE
19975,000 5,000.00  5,000.00  5,000.00 
19985,000 10,080.001.6 10,316.506.33 10,652.5013.05
19995,000 15,190.881.1 15,802.414.71 18,150.5123.45
20000 15,312.410.8 16,666.805.47 16,943.50-6.65
20010 15,480.841.1 17,440.144.64 14,562.94-14.05
20020 15,744.021.7 18,081.943.68 11,147.93-23.45
20030 15,948.691.3 18,756.393.73 13,389.7820.11
20040 16,219.821.7 19,611.684.56 15,008.6012.09
20050 16,527.991.9 20,576.584.92 18,203.9421.29
20060 17,023.833.0 21,539.564.68 21,116.5716.00
20070 17,381.332.1 22,735.015.55 22,081.594.57
20080 17,920.163.1 23,892.225.09 15,306.96-30.68
20090 18,439.842.9 24,420.242.21 19,802.6129.37
20100 19,122.113.7 25,104.002.80 22,527.4513.76
20110 19,925.244.2 25,794.362.75 21,579.05-4.21
20120 20,463.232.7 26,516.612.80 24,071.4311.55
20130 20,872.492.0 26,985.951.77 28,900.1620.06
20140 20,976.850.5 27,385.341.48 29,024.430.43
20150 21,018.810.2 27,768.741.40 29,250.820.78
20160 21,355.111.6 28,110.291.23 33,901.7015.90
20170 21,995.763.0 28,391.401.00 38,173.3112.60

Example
I saved 5000.00 in each of the three years 1997, 1998, 1999.
What is the value of those savings at the end of 2017?
Amount=5000, Start year=1997, End year=1999.
Answer: At end 2017 allowing for inflation 21,996
If invested in a savings account: maybe 28,391
If invested in Stock Market: maybe 38,173

FTSE:
Percentage change column is FTSE All-share total return minus charges-adjustment.
Charges-adjustment covers tracking discrepancies, annual management charges and platform charges.
For years 1986-2014 this charges-adjustment is 0.75%, for 2015 it is 0.20%, for 2016 it is 0.85%, for 2017 it is 0.50%
This most closely fits the performance of these UK-index-tracker-fund-ISA's:

Fund Name  Annual
Charge
Legal & General UK Index Trust R Acc 0.56%
Vanguard FTSE UK All Share Index Unit Trust Acc 0.08%
BlackRock UK Equity Tracker Fund Class D Acc 0.06%
Fidelity MoneyBuilder UK Index Fund A Acc 0.30%
HSBC FTSE All Share Index Institutional Accumulation 0.17%
M&G Index Tracker A Acc0.46%

For Vanguard, BlackRock and Fidelity platform charges would also apply.

ISAs: savings-account and FTSE end-of-year amounts are not reduced by tax.

Download spreadsheet equivalent of this calculator SavingsCalculatorToDec2017.xlsx
Spreadsheet is more flexible than web-page: you can put in different annual amounts.

Tax-free ISA's(Individual Savings Accounts) were introduced in 1999. ISA's were preceded by other tax-free savings - TESSA's (started 1991) and PEP's (started 1986).