The advertised price of a water softener is only the starting point. A realistic cost comparison includes the installed price, fittings and any pipework alterations, salt, the water used in regeneration, electricity where applicable, and any service plan needed to keep the warranty valid.
On the other side of the calculation, the savings are real but rarely dramatic in any single month. Soft water lathers far more readily, so most households find they use noticeably less soap, shampoo and detergent. Descaling products and limescale-focused cleaning largely disappear. Scale no longer builds on heating elements and heat exchangers, which protects boiler efficiency and reduces the likelihood of scale-related repairs or premature failure in appliances.
To estimate payback for your own property, take the full installed price, add your expected annual salt, water and service costs, then set that against what you currently spend on cleaning and descaling products, plus a conservative allowance for reduced appliance and boiler wear. Divide the net investment by the annual saving.
The answer varies enormously with local hardness, household size and how many water-using appliances you run. In a very hard water area with a busy household the numbers stack up considerably faster than in a moderately hard area with two occupants. Softened water works with most modern heating systems including combi boilers when correctly installed, though it is always worth checking the boiler manufacturer's guidance before committing.