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Index-linked Savings Certificate calculator

How much are they worth?

If you want an accurate valuation you can log in or call us if you are registered for our online and phone service (you’ll need your NS&I number and password).  Otherwise please write to us quoting any relevant reference numbers (for example your NS&I number, account number or holder’s number) and remember to sign your letter.

The calculator opposite will provide you with a quick estimate of your Index-linked Savings Certificates.

Or you can download a spreadsheet version here

This valuation is for guide purposes only based on the Retail Prices Index (RPI) figure last updated on 18 November 2014 and may not be exact.

Please note that the spreadsheet version will not update automatically, you will need to download one each month to get an up to date estimate.

Before you start you’ll need to have the following to hand:

  • the amount invested at the start of the current investment term
  • the investment date: this is the date the current term started (see example below)
  • the term of your investment (2, 3 or 5 years)

The calculator can only provide a value for Index-linked Savings Certificates within their current investment term, so you need to enter the amount and date as at the start of that term. For example, if you originally invested on 20 July 2006 in a 5-year term, and you renewed your investment at the end of the term, the date you need to enter is 20 July 2011 together with the value of your investment on that date.

You can find the value on your latest investment record (renewals on or after 20 September 2012) or the most recent maturity letter (renewals before 20 September 2012) from us.

Please note

    • This valuation is only relevant if you cash in your Certificate in January.

    • Certificates invested in or renewed on or after 20 September 2012
      If you cash in these Certificates before the end of the term, a penalty will be deducted from your payment and you won't earn any index-linking on the whole Certificate for the investment year in which you cash in, even if you only cash in part of it. The penalty and loss of index-linking are not included in the value shown by the calculator.