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Index-linked Savings
Certificates calculator


How much are your certificates worth?

For an accurate valuation

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Get an estimated valuation

The calculator opposite gives a quick estimated value for your Index-linked Savings Certificates. The estimate is:

  • for guide purposes only
  • based on the Retail Prices Index (RPI) figure last updated on 11 April 2017
  • only relevant if you cash in your Certificate in May 2017
  • only for Certificates within their current term

To check the RPI, visit the Office for National Statistics website at and search for RPI All Items Index.

Using the calculator

Have the following to hand:

  • Amount - The amount invested at the start of the current term
  • Investment term - your investment has a term of 2, 3 or 5 years
  • Day, month and year of investment - The date the current term started

What’s meant by 'current term'?

If your Certificate has been renewed, the current term started on the renewal date. For example, if you originally invested in a 5-year Certificate on 20 July 2006, you should enter the renewal date of 20 July 2011.

If your investment is still within the original term, enter the purchase date.

You’ll also need to enter the value of your investment on that date. You can find this on:

  • Renewals on or after 20 September 2012: your latest investment record
  • For renewals before 20 September 2012: the most recent maturity letter from us.

Cashing in penalty

For Certificates invested in or renewed on or after 20 September 2012, if you cash in 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 estimate given by the calculator.