Money Matters Team

Trainflation

By Money Matters Team 10/12/2019

How much could you save on your train ticket in 2020?

Plan ahead for the 2020 train fare increase

2020 ticket prices

How much could I save if I buy my train ticket in advance?

 

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Our train ticket calculator will tell you how much you could save if you purchase a ticket in advance before the 2020 ticket price rises. Simply enter the current cost of your 2019 train ticket in the box, then click 'calculate'.

You can also see how much your ticket would have set you back over the last 20 years - use the slider to change the year from 1995 to 2019. We’ll also show you how that compared to the price of petrol and lager at the time.

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2020 Ticket Price

10.4% of average monthly salary*

£237.90

An estimated cost of your rail ticket from Jan 2020, if you buy now you can save £8.56

1995 Ticket Price

8.3% of average monthly salary*

£112.90

An estimated cost of your rail ticket using historic rail fares index

1995
2019

Move the slider to change the historic year

To give you a better idea of what a train ticket increase really means, we’ve included living costs from the last 20 years for you to compare.

(Use the slider above to change the year)

2019

Piggy bank
Average monthly wage:

Based on the average wage data from the ONS

£2,305

Petrol pump
A tank of petrol cost:

60 litres of unleaded fuel at 125.4p per litre. Petrol price data courtesy of AA Motoring Group and House of Commons Library

£72.00

Pint of lager
A pint of lager cost:

The price of an average pint of draught lager, data from the ONS

£3.68

1995

Piggy bank
Average monthly wage:

Based on the average wage data from the ONS

£1,352

Petrol pump
A tank of petrol cost:

60 litres of unleaded fuel at 75.4p per litre. Petrol price data courtesy of AA Motoring Group and House of Commons Library

£26.26

Pint of lager
A pint of lager cost:

The price of an average pint of draught lager, data from the ONS

£1.94

The rail fares price index of first class and standard class rail tickets compared to the average monthly wage since 1995.

Average change in rail fares

Average monthly wage

  • First class unregulated ticket
  • Standard class unregulated ticket
  • Average monthly wage

The rail fare price index showing the average change in rail fares (as percentage value) across all operators since January 1995.

Monthly wage data from the ONS.

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Get ready for the 2020 train fare increase

With rail fares set to rise again next year, now’s the time to beat the increase, save some money and avoid the January blues. The fare increase will see regulated rail fares in England and Wales and regulated peak-time fares in Scotland rise by 2.7% from 1st January 2020.

If you’re a regular rail commuter, you’ll understand the strain that train ticket price rises can put on your finances.

That’s why we’ve put together our handy ticket price tool. It lets you see how much your one-way, return or season ticket is estimated to cost in 2020. Use the slider to track how ticket prices have changed over the years, all the way back to 1995.

We’ve also included insights into living costs over the years, to compare against the rail fare increase. Find out how the cost of your train ticket compares to the average UK monthly wage, a tank of fuel and the typical cost of a pint of lager.

How much could I save?

Buy your train ticket in advance

You may know the cost of your train ticket will increase from 2020 – but there’s no need to stress. You can save money by buying in advance.

Simply buy your ticket before 1 January 2020 to take advantage of 2019 prices. Your future self will thank you.

Or, consider purchasing a monthly or annual season ticket using a purchase credit card. That way, you can pay some now and the rest over time. Just remember to always pay at least your minimum payment each month and make sure that you clear the balance before the offer period ends, if applicable.

All that’s left to do it sit back and enjoy the journey.

Estimated 2020 ticket costs are calculated based on a 2.7% for standard class tickets in England and Wales and unregulated peak-time fares in Scotland, due to take effect from January 2020 (if implemented fully in line with RPI).

Historic ticket estimates are calculated based on Office of Rail and Road Rail Fares Index – standard class unregulated and first class unregulated across all operators.

*Average monthly salary is based on data from the ONS

Data is correct to December 2019.

This Money Matters post aims to be informative and engaging. Though it may include tips and information, it does not constitute advice and should not be used as a basis for any financial decisions. Sainsbury's Bank accepts no responsibility for the opinions and views of external contributors and the content of external websites included within this post. Some links may take you to another Sainsbury's Bank page. All information in this post was correct at date of publication.