What did Brexit do for everyone
in your household?

Enter your average figures since June 2016. Find out what Brexit actually did for you. Every calculation uses the spread of published research.

Brexit: 120 months ago and counting
πŸ”’ Your privacy: Nothing you enter here is sent anywhere. Every calculation runs entirely in your browser. No data is collected, stored or transmitted. There is no server. There are no cookies. Close the page and everything is gone.
BREXIT EFFECT ON YOU
Income growth vs international peersΒ£0
Purchasing power effectΒ£0
Total Brexit effect on you so far Β£0
Monthly Brexit effect on you Β£0
INCOME β€” wages, pensions and investments
πŸ’Ό Private sector wages
/yr Β£
Total annual wages for everyone in your household working in the private sector.
πŸ› Public sector wages
/yr Β£
Total annual wages for everyone working in the public sector β€” NHS, teachers, council, civil service etc.
πŸ“ˆ Pension & investment income
/mo Β£
Average pension drawdown, dividends or investment income. Monthly is typical for pension income; annual suits dividend investors who know their yearly total.

Add a period where your total household income was different. Enter the complete household total for that period β€” not just the change. For example: if your household earned Β£50,000/yr and a spouse added Β£14,000/yr for 16 months, enter Β£64,000 for those 16 months. The quick figure above will apply to the remaining 120 months.

πŸ’Ό Private sector income periods

~1.3%/yr β€” based on Resolution Foundation research into how UK private sector wages fell behind comparable countries after Brexit. Quick figure above applies to 120 remaining months.

Enter the combined total for everyone in private sector work. Add a block only when the combined total changed β€” for example if someone left work, changed job, or returned. Two people both working throughout: just add their wages together in the quick box.

πŸ› Public sector income periods

~3.5%/yr β€” the private sector gap plus years of Brexit-era public sector pay freezes. Quick figure above applies to 120 remaining months.

Enter the combined total for everyone in public sector work. Public and private sector are tracked separately β€” adding a block here has no effect on the private sector figure. Add a block only when the combined public sector total changed.

πŸ“ˆ Investment & pension pot detail

UK pensions and investments tend to be heavily weighted toward UK assets β€” and UK assets underperformed comparable countries throughout the Brexit period across shares, bonds and property. We conservatively estimate ~3% less growth per year as a result.

Enter your total pension and investment pot value today. We estimate what it would be worth if it had grown at the same rate as comparable international markets.

Pot value today
Β£
Did this household pension or investment pot start after June 2016?
πŸ’° Cash savings detail

After the Brexit vote, the Bank of England cut interest rates to near-zero and kept them there for 5.5 years. Your savings earned ~2.5%/yr less than they should have during that period.

Average savings held 2016–2026
Β£
HOUSING β€” Enter a total of everyone's monthly average
🏠 Average monthly rent
/mo Β£
mo
Months renting defaults to full period. Adjust if you switched to a mortgage partway through.
🏠 Average monthly mortgage
/mo Β£
mo
Rate %
OPTIONAL β€” IMPROVES ACCURACY
Capital borrowed
Β£
Year taken out
Months auto-calculated as period minus rent months. Adjust if needed.

Use this to add housing costs on top of your quick figures above β€” for example, a second mortgage while waiting for a sale to complete, bridging finance, or rent paid during a renovation. Each block adds to the total, so only enter costs not already captured in the quick boxes.

🏠 Rent periods
🏠 Mortgage periods

UK mortgage rates ran ~27% higher than in comparable countries β€” a direct result of Brexit's effect on UK borrowing costs. Enter your actual rate for a more accurate figure.

Property transactions 2016–2026

After the Brexit vote, the Bank of England printed an extra Β£520bn, which pushed house prices up by around 7.5%. If you bought, you paid more than you would have. If you sold, only your equity share (not the bank's) benefits.

Did you buy a property?
Did you sell a property?
DAY-TO-DAY CREDIT β€” typical balance you carry
πŸ’³ Credit card balance β€” all household cards combined
Β£
The amount you typically owe across all cards β€” not your monthly payment. Brexit raised UK interest rates above comparable countries, so carrying a balance cost more. Applies to 120 months β€” add blocks below if your balance changed significantly.
🏦 Overdraft balance β€” all accounts combined
Β£
The amount you typically owe in overdraft across all accounts. Applies to 120 months β€” add blocks below if your balance changed significantly.

Use this if your credit card or overdraft balance was very different at different times β€” for example, a period where you were heavily reliant on credit, followed by paying it off. Adding a block here reduces the months covered by your quick entry above. Total months across quick entry and all blocks always equals 120 months. Enter the balance you carried during each period β€” not what you repaid each month.

πŸ’³ Credit card balances by period
🏦 Overdraft balances by period
FINANCE β€” Enter a total of everyone's monthly average
πŸš— Car & vehicle finance payments per month
/mo Β£
Your typical monthly total across all vehicles on finance or lease. Applies to 120 months β€” use the detail section below for specific vehicles.
With your household accumulating Β£0 more, would you have bought this outright rather than on finance?
πŸ“± Phone, device & appliance plan payments per month
/mo Β£
Monthly plans for phones, tablets, laptops, TVs, consoles, white goods β€” anything on a plan you'll own. Applies to 120 months β€” use the detail section below for specific items.
With your household accumulating Β£0 more, would you have bought this outright rather than on finance?
πŸ’³ Personal loan payments per month
/mo Β£
Your typical monthly personal loan repayments. Applies to 120 months β€” use the detail section below for specific loans.
With your household accumulating Β£0 more, would you have needed to borrow?
🏒 Business loan payments per month
/mo Β£
Your typical monthly business loan repayments. Applies to 120 months β€” use the detail section below for specific loans.
With your household accumulating Β£0 more, would your business have needed external finance?

Use this to add specific finance agreements β€” each with its own monthly payment and term. Adding a block reduces the months covered by the quick average above. Total months per finance type always equals 120 months. For each item you can tell us whether β€” given what Brexit cost you β€” you would have borrowed at all.

πŸš— Car & vehicle finance
πŸ“± Devices & appliances ownership plans

Phones, tablets, laptops, TVs, consoles, white goods β€” anything on a monthly plan you'll own. Add individual items with exact durations.

πŸ’³ Personal loans
🏒 Business loans

UK SMEs pay ~65% more to borrow than comparable international competitors.

Full breakdown of Brexit effect on you
INCOME GROWTH EFFECT
Your income growth vs comparable international economiesΒ£0
Measured against comparable international economies over the same period. All have similar global effects including COVID & Ukraine shocks. The gap between UK & peer performance isolates the Brexit effect.
Your UK investment & pension returns vs comparable international marketsΒ£0
Documented home bias toward UK assets, which underperformed comparable international markets across equities, bonds and commercial property. Conservatively modelled at ~3%/yr.
Your UK savings returns during Brexit rate suppressionΒ£0
UK savings paid ~2.5%/yr less than they should for 5.5 years after the Brexit vote (Jun 2016–Dec 2021)
Subtotal β€” income effects of BrexitΒ£0
PURCHASING POWER EFFECT
Your housing costs vs comparable international ratesΒ£0
Brexit money printing pushed rent up ~7.5%; UK mortgage rates ran ~27% higher than comparable countries
Your purchasing power vs pre-Brexit sterlingΒ£0
Devaluing sterling made everything you bought around 14% more expensive
Finance costs Brexit premiumΒ£0
Losing AAA rating through Brexit made finance more expensive in the UK
Day-to-day credit Brexit premium β€” cards & overdraftsΒ£0
Brexit made UK credit card and overdraft rates higher than in comparable countries
Subtotal β€” purchasing power effects of BrexitΒ£0
Total Brexit effect on you so farΒ£0
Monthly Brexit effect on you Β£0
Based on NBER 2025, Resolution Foundation, LSE, OBR, Bank of England and Saxo/FE Analytics market data.
#Brexit #BrexitBonus #BrexitAt10
πŸ”’ Your privacy: Nothing you enter here is sent anywhere. Every calculation runs entirely in your browser. No data is collected, stored or transmitted. There is no server. There are no cookies. Close the page and everything is gone.