How UK savers lost £7bn to inflation in 2025 while total personal debt reached £1.89 trillion. Why only 25% invest in stocks despite 60% having cash savings.
Lost to inflation in 2025
Yahoo Finance
Total UK personal debt
The Money Charity
UK adults invest in stocks
FCA Financial Lives 2024
In 2025, UK savers lost approximately £7 billion to inflation, according to Yahoo Finance analysis. This massive loss occurred as cash savings rates failed to keep pace with rising prices, effectively eroding the real value of money held in bank accounts.
Meanwhile, total UK personal debt reached £1.89 trillion in March 2025, according to The Money Charity. This represents a 47% increase over the past decade, with the average adult now owing £34,811.
One person enters insolvency every 4 minutes in England & Wales
NDH Financial, Q3 2025
Investment returns are 2-3x higher than cash savings
Most UK adults have cash savings but no plan. Delphina helps you understand where you stand and what to do about it.
Personalised guidance helps you understand how your cash and investments work together.
Clear, specific steps for your situation. Not generic tips. The two or three things that matter most.
See what happens if you invest or if you don't. Make decisions with clarity, not guesswork. Inflation is a risk.
"The UK savings crisis is a perfect storm of low interest rates, high inflation, and cultural risk aversion. While cash ISAs offer some protection, they simply can't compete with the long-term returns available through diversified investments."
Syd Lawrence
CEO & Co-Founder, Delphina
The £7 billion figure comes from Yahoo Finance analysis of UK savings data from January 2025, which calculated the real value loss due to inflation on UK bank deposits.
Delphina provides personalised guidance that helps bridge the gap between cash savings and investments, giving you clarity on what to do next.
Cash ISAs offer guaranteed returns but typically 3-4% interest rates, while stocks & shares ISAs can deliver 8-12% annual returns but come with market risk.
Cultural preference for safety, complexity of investment platforms, lack of financial education, and historical mistrust of financial markets all contribute to low investment participation.
Probably Not. But You Almost Certainly Need Something. Most people assume there are two options: do it yourself, or pay a financial adviser thousands of pounds. There are actually four. Financial guidance, financial tools, financial coaching & financial advice.
UK savers are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person per bank, and FCA regulations ensure transparency in financial products.