UK-DEBT.INFO

Real-Time UK Fiscal Data · Independent · Non-Partisan

£2,990,000,000,000

National Debt (Live)

£4,090

Borrowed Per Second

95.9%

Debt as % of GDP

£44,230

Per Person

£0

Borrowed Today

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All figures update in real time · Sources: ONS · OBR · HM Treasury · Bank of England

THE REAL DEBT PICTURE — WHAT THE HEADLINE MISSES

Official figure vs true liability · Source: Whole of Government Accounts 2023/24 · OBR · ONS

True Total Liability (Live)

£5.02tn

WGA + Pensions Accruing

Ticking up as pension obligations accrue ~£2,100/second on top of new borrowing.

Pension Liability Accruing

£2,100/s

New Obligations Per Second

Public sector pension rights earned each second by NHS staff, teachers, civil servants.

Official Debt (Live)

£2.99tn

PSND — What Gov't Admits

The number in the news — gilts and bonds only. Real liability is 72% higher.

Hidden Gap

£2.11tn

True minus Official

Pensions + PFI + student loans. The liabilities never mentioned in Budget speeches.

True Liability Per Person

£73,500

Every Man, Woman & Child

Against only £38,500 assets per person. Net liability: £34,500 each.

① Official PSND

£2.99tn

Gilts + bonds only. Does NOT include pensions, PFI or student loans. Reported monthly by ONS.

② + Unfunded Pensions

+£1.40tn

NHS, teachers, civil servants, forces, police. Pay-as-you-go — no pot of money exists.

③ + PFI + Student Loans

+£547bn

PFI contracts £310bn + student loan write-offs ~£237bn. Real obligations, not counted.

④ Whole of Govt (WGA)

£5.02tn

Total on IFRS accounting — same rules as FTSE 100 companies. HM Treasury publishes annually.

⑤ The Hidden 72%

+72% more

The true liability is 72% larger than what politicians quote. Every year the gap widens.

CHANCELLOR — CAN YOU SAVE THE UK?

Take office as Chancellor. Raise taxes, cut spending, manage crises. Can you get debt under control before it spirals to 274% GDP? Based on real OBR data.

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💷 Debt & Borrowing

National Debt Clock

Live ticking national debt counter with borrowing per second, per person, debt/GDP ratio, and full fiscal snapshot. Updated with every ONS release.

£2,990bn and rising

Interest Payments

Historical UK government interest payments year by year from 1990 to present, with OBR forecasts to 2030. See how debt servicing costs are crowding out public services.

£88bn/yr · 2025/26

Future Interest Scenarios

What happens to annual interest payments if gilt yields rise to 3%, 4%, 5% or 6%? Interactive scenario modeller showing the fiscal cliff edge.

+£60bn if rates → 6%

Off-Balance-Sheet Debt

PFI/PPP contracts, unfunded pension liabilities, student loan book, nuclear decommissioning and other obligations not counted in the official PSND figure.

~£9tn+ hidden liabilities

🏦 Money & Assets

Gold reserves, foreign currency holdings, IMF drawing rights, M2 money supply and BoE balance sheet. How much does the UK actually own vs what it owes?

£130bn reserves vs £2.8tn debt

Understanding QE and QT

What money printing actually did, who gained, who lost, and what it's costing taxpayers now.

Silver — Supply, Demand & Future

Six consecutive annual deficits. COMEX registered vs eligible explained. Samsung's solid-state battery needs 1kg of silver per car. Solar thrifting vs real substitution. Price scenarios to 2030.

Gold — History, Central Banks & Future

The reserve currency cycle from Dutch guilder to dollar. Who holds the most gold. Fort Knox mystery. Why central banks bought 1,000 tonnes for three years running. And what might happen next.

BoE Bond Programme

The full story of Quantitative Easing and Quantitative Tightening — how much was created, what it cost, the losses being crystallised, and who pays for them.

~£50bn QT losses est.

Asset Prices vs M2 & GDP

House prices, gold, equities and average salaries plotted against M2 money supply and GDP growth since 1990. What has money creation done to asset values?

House prices +580% since 1990

👥 People & Work

Public vs Private Employment

Historical and forecast split between public and private sector workers, economic inactivity trends, and what the ratio means for tax receipts and sustainability.

6.1m public sector workers

Pension Liabilities

Civil service, NHS, police, teachers and armed forces pension liabilities year by year. Actual contributions vs projected payouts — the gap that future taxpayers must fill.

~£2.6tn civil service liability

UK Wealth Decline

Why Britons are 23% poorer than in 2020 — the worst wealth decline of any developed nation. Sources, causes, and what happens next.

Personal Finance Dashboard

Average UK mortgage debt, credit card balances, personal loans, savings rates and net worth per household. The financial position of the average British person.

Avg mortgage £137k outstanding

🌍 Context & Comparison

Can You Save the UK?

Interactive fiscal simulator. Raise taxes, cut spending, grow the economy. Can you get debt under control before it spirals to 274%?

The True Fiscal Gap

Every spending stream stacked to 2075. How much extra tax or borrowing — year by year — and what happens when debt compounds.

The Human Scale

What if the UK government were a single person? Convert GDP to salary, national debt to personal debt, and government spending to a household budget. Suddenly it all makes sense.

Govt spends 45p of every £1 earned

Fiscal Trajectory

When does UK debt become unsustainable? OBR long-term model to 2075.

Money In & Money Out

Every tax source and spending category. Petrol price breakdown included.

Salary Calculator

Where do you rank? Tax freedom day, decile analysis & pension planner.

Russia's War Economy

Have sanctions worked? GDP, oil revenues, gold reserves and debt through four years of war. The honest data-driven verdict.

UK trade balance in goods & services. Historical data from 1980.

Jobs Data — How Accurate?

US jobs numbers revised by 911,000. UK data suspended. Markets move billions on figures later proved wrong. The full story.

OBR Spring Statement 2026

Debt rising to 96% GDP. Growth cut to 1.1%. Borrowing at £129bn. What Rachel Reeves said vs what the numbers actually show.

OBR Forecast Accuracy

Inflation forecast 387% wrong. Borrowing 74% underestimated. The track record.

Who Successfully Reduced Their Debt?

Argentina eliminated a 123-year deficit. Greece cut debt by 63 points. Ireland went from bailout to surplus. Lessons for the UK.

Wealth Taxes — The Evidence

Norway lost more than it gained. France abolished its wealth tax. Spain collected 40% of target. What the international data actually shows about wealth taxes, mansion taxes and the 38% question.

The UK Productivity Puzzle

UK output per hour is 25% below the US and 10% below Germany. Flatlined since 2008. What went wrong, what it costs every household, and whether AI can fix it.

The NHS — Money and Outcomes

£345 billion a year. Still 18% below EU average per capita. 25,000 extra lives a year vs Sweden. Productivity below pre-pandemic levels. The honest numbers.

Infrastructure — The Backlog

£49bn maintenance backlog. HS2 at £102.7bn and rising. 214 schools with crumbling concrete. 3,090 substandard bridges. The real state of UK infrastructure.

UK vs The World

How does UK debt, gold reserves, interest burden and fiscal position compare to the USA, Germany, France, Japan and other G7 nations? Credit ratings and competitiveness.

UK #17 in gold holdings

Historical Timeline

UK national debt from 1900 to present with key events marked — World Wars, Bretton Woods, Black Wednesday, the 2008 crisis, COVID. How did we get here?

Debt peaked at 250% GDP post-WW2

Real wages vs CPI inflation vs house prices vs energy costs since 1970. Are people genuinely better or worse off than their parents? The data tells the story.

Real wages flat since 2008

ℹ️ About This Site

What is UK-Debt.info?

UK-Debt.info is an independent, non-partisan public information resource providing real-time and historical data on the United Kingdom's fiscal position. It brings together official data from ONS, OBR, HM Treasury and the Bank of England in one place.

All figures are derived from official UK government sources including the Office for National Statistics (ONS), the Office for Budget Responsibility (OBR), HM Treasury, and the Bank of England. Live counters are estimates based on the latest published annual figures divided to a per-second rate — they are illustrative of the scale and direction of public finances, not audited accounts.

This site has no political affiliation. It does not advocate for any party, policy position or ideology. The data speaks for itself.

For journalists and researchers: All source data is publicly available from the links below. Please cite as "UK-Debt.info, based on ONS/OBR data" and include the date of access as figures update monthly.

ONS OBR HM Treasury Bank of England IMF CEIC Data DWP ONS Population

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⚠️ All figures are estimates based on publicly available official data. This site is not affiliated with HM Treasury, ONS, OBR or any government body. Not financial advice. Full Disclaimer · Privacy Policy