Step 1 of 6
Question One
What is your UK property exposure?
Combined current value of your primary residence plus any buy-to-let holdings.
UK Property Portfolio Value£700,000
Drag to your closest total property value.
This input influences mortgage sensitivity, CGT drag and estate exposure.
Current selection
£700,000
Property is usually the largest hidden drag multiplier in the final estimate.
Question Two
How would you describe your mortgage position?
Pick the closest average rate bracket across your UK properties.
Current Mortgage Rate Bracket
This estimates the refix shock versus pre-2022 pricing.
No mortgage
Below 2%
2% – 3%
3% – 4%
4% – 5%
Above 5%
We use bracketed rates rather than exact balances to keep the audit friction low.
Current selection
4% – 5%
This drives the mortgage refix component of the annual erosion estimate.
Question Three
How much capital sits in cash savings?
Include savings accounts, ISAs and current-account cash. Exclude pensions and market investments.
Cash Savings & Liquid Capital£200,000
This quantifies inflation drag net of tax-adjusted savings returns.
The higher the idle cash balance, the more visible the annual inflation leakage becomes.
Current selection
£200,000
This mainly affects the inflation-on-savings line in the report.
Question Four
Which income-tax bracket fits you best?
This determines the real after-tax return on savings and the CGT rate used in the estimate.
Income Tax Bracket
Choose the current bracket that best matches your position.
Basic
20%
Higher
40%
Additional
45%
This affects both savings erosion and CGT threshold impact.
Current selection
Higher Rate (40%)
Higher brackets typically amplify the cash and tax portions of the report.
Question Five
What share of your wealth is still in GBP?
Include property, cash, pensions and investments denominated in sterling.
% of Total Wealth in GBP80%
This approximates the annual drag from sterling concentration.
Most UK households are more sterling-concentrated than they realize.
Current selection
80%
A higher GBP concentration increases the currency-exposure component of the estimate.
Final Step
Where should we deliver the report?
You’re one step away. Enter your details to unlock the estimate and have the full PDF sent to your inbox.
Your audit summary
The report will include all five forces based on the inputs you just selected.
Property£700,000
Mortgage4% – 5%
Cash£200,000
TaxHigher Rate
GBP share80%

See how five common factors may be
eroding your UK wealth this year

Get a personalized, data-driven estimate in pounds across inflation on savings, GBP exposure, mortgage refix impact, capital-gains thresholds, and inheritance-tax bands. Five inputs. About 90 seconds.

Free  ·  No financial commitment
Five-step audit — about 90 seconds

Enter your five inputs.
See your number.

Start the audit and move through each input privately. We calculate the estimate behind the scenes, then ask for your details only on the final step before revealing the report.

Trusted by 5,000+ UK investors
UK Wealth Erosion Calculator · 2026
Illustrative estimates only — not financial advice
Step 1Property
Select your total UK property exposure inside the audit.
Step 2Mortgage
Choose the closest mortgage rate bracket across your properties.
Step 3Cash
Add liquid cash and savings balances to capture inflation drag.
Step 4Tax
Pick the tax bracket that governs your after-tax savings return and CGT rate.
Step 5GBP Share
Estimate the share of your wealth still denominated in sterling.
What happens next
You answer five inputs01
We calculate the full estimate02
You enter your details at the end03
Your PDF is generated instantly04
Your private video/report flow begins05
No number shown upfront
Private
The estimate stays hidden until the final step, after the audit is complete.
Five inputs. About 90 seconds.
Report generated
Based on your inputs, here is what the UK system is costing you annually.
Inflation erosion on cash savings
Real after-tax return vs current CPI
GBP purchasing power loss
Annual GBP/EUR erosion on sterling wealth
Mortgage rate shock vs 2021
Additional annual interest above pre-2022 rates
Annual CGT liability accumulation
New exposure at 18–24% as property grows
IHT exposure growth
New 40% IHT from asset growth with frozen threshold
Total Annual Estimated Erosion
Per year, based on your inputs. For illustration only. Not financial advice.

This estimate is designed to help you quantify the current drag on capital like yours.

If you want to review the methodology, assumptions, or see the walkthrough mentioned in the report, you can book an optional Q&A.

Book an Optional 20-Minute Q&A >
Estimates based on inputs and publicly available UK data as of 2026. Not financial advice. Trading involves risk. Past performance does not guarantee future results.

Why Most UK Investors Miss This

Most property owners and investors see these five factors separately. They don't realize they compound.

A 3% inflation rate on £100K in savings costs you £3K per year. GBP weakness costs you another percentage. Rising IHT thresholds expose your estate to more tax every year. Mortgage resets add another layer.

Separately, they're manageable. Together, they're material.

This calculator shows you the combined effect in 90 seconds. No commitment. Just your number.

Inflation
3.0%
UK CPI inflation
ONS, Feb 2026
Currency
-18%
GBP vs EUR since 2016
Bank of England
Refix
+£15K-£20K
Typical annual mortgage cost increase on a £500K refix
Bank of England / Moneyfacts
Thresholds
2030
IHT thresholds frozen until
HMRC, Autumn Budget 2024

Some financial pressures do not show up clearly on a bank statement. They can operate in the background and compound over time. The simplest way to understand the combined impact on your situation is to quantify it. Enter your five inputs and see an estimate based on publicly available figures and your selections.

What the calculator estimates

01
Property liquidity and holding costs
Market conditions can affect the time and cost to sell or refinance. The report summarizes potential holding costs and liquidity considerations based on your inputs and public data.
Market summaries, public listing data
02
Mortgage refix impact
Refixing at current rates can change annual interest costs. The calculator uses bracketed rate assumptions you select to illustrate the annualized difference.
Bank of England / Moneyfacts summaries
03
Capital-gains thresholds and allowances
Recent allowance and rate changes can affect realized gains. The report shows how threshold changes may influence estimated drag at a high level.
HMRC publications
04
Inflation vs. net savings return
Net savings return after tax compared to CPI can reduce purchasing power. The calculator uses your tax bracket selection and recent CPI figures for a directional estimate.
ONS releases
05
GBP exposure
A high share of wealth in GBP can change international purchasing power. The report shows a historical context chart and your selected GBP share for perspective.
Bank/FX research summaries
Here's what you receive — free

Your UK Wealth Erosion Report

Delivered immediately by email. No credit card. No obligation.

What you receive
Included
Personalized annual estimate
Your pound estimate across the five factors, calculated from your inputs.
Included
Full factor-by-factor breakdown
An explanation of each factor, how the estimate is derived, and links to public sources.
Included
PDF report
A 15–20 page PDF summarizing your inputs, current assumptions, and your estimate.
Included
Live dashboard walkthrough (optional)
A scheduled session to review methodology and assumptions with the team. For transparency only. Not investment advice.
Included
Optional 20-minute Q&A
A short call to answer questions about the report and approaches commonly used to manage exposure. No obligation.
Optional
Everything above
Free
i
Limited availability: We periodically review interest for deeper educational access. The calculator and report are always free. Any separate services, if discussed, are subject to a separate application and agreement.
Educational estimate and report

Calculate your estimate. Read your report. Decide what to do with it.

The calculator and the PDF report are educational tools covering UK economic conditions in 2026. They are free, illustrative, and contain no financial advice. What you do with the information is up to you.

90 seconds to complete Free PDF report Educational only No sales call required
Chris (Founder)
sent you a message
Chris From VoltFX
Online
Hey — Chris from VoltFX.

I built this calculator because most UK investors don't realise how much inflation + GBP exposure are eating into their net worth.

It takes 90 seconds. Run it and I'll send you the full PDF personally.
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