GeraCash / UK Inflation Calculator
UK Inflation Calculator — the Value of Money Over Time
Inflation is the rate at which average prices rise over time, which steadily reduces what each pound can buy. UK consumer prices rose 2.8% in the year to 2026 MAY on the Consumer Prices Index (CPI), and 3% on CPIH — published by the Office for National Statistics. Convert any amount between 1988 and 2025 into today's money below.
What is the UK inflation rate, and how much has money lost in value over time?
UK consumer prices rose 2.8% in the year to 2026 MAY (CPI), or 3% on CPIH (ONS, dataset MM23, Open Government Licence v3.0). Over the long run prices keep rising: £100 in 2000 buys what £190.37 buys in 2025 — a 90.4% increase — on the ONS CPI index (2015=100).
Latest UK inflation rate (2026 MAY)
CPI — annual rate
2.8%
Consumer Prices Index, all items · year to 2026 MAY
CPIH — annual rate
3%
Incl. owner-occupiers' housing costs · year to 2026 MAY
Value of money over time
Enter an amount, a "from" year and a "to" year (1988–2025) to convert it into inflation-adjusted pounds using the real ONS CPI index.
Pounds sterling
1988–2025
1988–2025
£100.00 in 2000 is worth
£190.37
in 2025 money
Total price change
+90.4%
over 25 years — prices rose
Average annual inflation
2.6%
compound, per year
This converts nominal pounds between years using the ONS Consumer Prices Index (all items). It reflects average UK consumer-price inflation and is not financial advice — your personal cost of living depends on what you buy.
UK inflation trend (2005–2025)
| Year | CPI index (2015=100) | Annual change | £100 then → 2025 |
|---|---|---|---|
| 2005 | 78.1 | 2.1% | £177.21 |
| 2006 | 79.9 | 2.3% | £173.22 |
| 2007 | 81.8 | 2.4% | £169.19 |
| 2008 | 84.7 | 3.5% | £163.40 |
| 2009 | 86.6 | 2.2% | £159.82 |
| 2010 | 89.4 | 3.2% | £154.81 |
| 2011 | 93.4 | 4.5% | £148.18 |
| 2012 | 96.1 | 2.9% | £144.02 |
| 2013 | 98.5 | 2.5% | £140.51 |
| 2014 | 100.0 | 1.5% | £138.40 |
| 2015 | 100.0 | 0.0% | £138.40 |
| 2016 | 100.7 | 0.7% | £137.44 |
| 2017 | 103.4 | 2.7% | £133.85 |
| 2018 | 105.9 | 2.4% | £130.69 |
| 2019 | 107.8 | 1.8% | £128.39 |
| 2020 | 108.7 | 0.8% | £127.32 |
| 2021 | 111.6 | 2.7% | £124.01 |
| 2022 | 121.7 | 9.1% | £113.72 |
| 2023 | 130.5 | 7.2% | £106.05 |
| 2024 | 133.9 | 2.6% | £103.36 |
| 2025 | 138.4 | 3.4% | £100.00 |
Annual change = index(year) ÷ index(year−1) − 1. Value today = £100 × index(2025) ÷ index(year). Headline 2026 MAY rates (2.8% CPI / 3% CPIH) are the latest published 12-month rate and may differ from the calendar-year index change above.
Frequently asked questions
- What is the current UK inflation rate (2026 MAY)?
- In the year to 2026 MAY, UK Consumer Prices Index (CPI) inflation was 2.8% and CPIH (which also includes owner-occupiers' housing costs) was 3%. Source: ONS CPI/CPIH annual rate (all items), dataset MM23 (Open Government Licence v3.0).
- What is the difference between CPI and CPIH?
- CPI (Consumer Prices Index) measures the average change in prices of a basket of goods and services bought by households. CPIH is the same basket plus owner-occupiers' housing costs and Council Tax, so it covers more of a typical household's spending — it is the ONS's lead measure. In the year to 2026 MAY, CPI was 2.8% and CPIH was 3%.
- How much is £100 from 2000 worth today?
- £100 in 2000 has the same buying power as £190.37 in 2025 — UK consumer prices rose 90.4% over that period. This is calculated from the ONS CPI index (all items, 2015=100): adjusted value = amount × index(to-year) ÷ index(from-year). Use the calculator above for any amount and year pair from 1988 to 2025.
- How does the inflation calculator work?
- It uses the official ONS CPI index (all items, base year 2015 = 100). To convert £X from one year to another, it multiplies by the ratio of the two years' index values: value = X × index(to) ÷ index(from). For example, the index was 72.7 in 2000 and 138.4 in 2025. No figures are estimated — every value comes from the published ONS series.
- Why is £1 worth less now than in 1988?
- Because of sustained inflation: when average prices rise, each pound buys fewer goods and services. On the ONS CPI index, £1 in 1988 buys only what about £0.36 would buy in 1988 terms today — equivalently you would need £2.79 in 2025 to match £1 of 1988 spending power.
- Is this the same inflation everyone experiences?
- No. CPI and CPIH measure the average across a representative basket. Your personal inflation rate depends on what you actually buy — households spending more on energy, rent or food can experience higher or lower rates than the headline. The calculator gives the average measure published by the ONS, not a personalised figure.
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Data source
Contains public sector information published by Office for National Statistics and licensed under the Open Government Licence v3.0. Source: Office for National Statistics (ONS) (2026 MAY).
ONS series: CPI annual rate D7G7, CPIH annual rate L55O, CPI index D7BT (dataset MM23, 2015=100). Retrieved 2026-06-16. Calculations performed by Gera from the published ONS CPI index — no figures are estimated.
Related tools
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- UK pension & retirement calculator — project your pension in today's money