Templates
Personal Inflation Basket Template Examples
These sample baskets help you get started fast. Copy the closest template, swap in your own numbers, and save scenarios to compare. Everything here is illustrative—replace every spend and assumption with your own.
Published: December 30, 2025 · Updated: December 30, 2025 · By FinToolSuite Editorial
Disclaimer
- Educational purposes only, not financial advice.
- Examples are illustrative and simplified.
- Results depend on your inputs and assumptions and are not guaranteed.
- Replace these numbers with your own costs and assumptions.
- See the Privacy Policy for handling details.
Open the personal inflation basket calculator
Copy a template, adjust spends and assumptions, and save Base and variations.
Quick answers: personal inflation basket template examples
- Copy a basket that looks closest to your life.
- Replace spends first, then adjust inflation assumptions.
- Big categories drive most of the result.
- Save a Base scenario before experimenting.
How to use these templates
- Pick the closest template.
- Replace spends with your own monthly numbers.
- Adjust assumptions using low, base, and high ranges.
- Save as Base, then create variations.
For assumption ranges, see choose inflation assumptions. For comparing results, see compare scenarios.
Rent heavy basket
| Category | Monthly spend (illustrative) | Inflation percent (illustrative) |
|---|---|---|
| Rent | $1,600 | 3.0% |
| Groceries | $500 | 3.0% |
| Transport | $250 | 2.5% |
| Utilities | $200 | 2.5% |
| Subscriptions | $80 | 2.0% |
What drives this basket: housing has the largest weight, so its assumption pulls the personal rate the most.
Try it in the calculatorFamily basket
| Category | Monthly spend (illustrative) | Inflation percent (illustrative) |
|---|---|---|
| Rent or mortgage | $1,800 | 3.0% |
| Groceries | $700 | 3.5% |
| Childcare or school | $600 | 4.0% |
| Transport | $300 | 2.5% |
| Utilities | $220 | 2.5% |
| Subscriptions | $90 | 2.0% |
What drives this basket: housing and childcare carry high weights, so their assumptions shape the personal rate.
Try it in the calculatorCommuter basket
| Category | Monthly spend (illustrative) | Inflation percent (illustrative) |
|---|---|---|
| Rent | $1,400 | 3.0% |
| Groceries | $500 | 3.0% |
| Transport (commute) | $350 | 3.0% |
| Utilities | $190 | 2.5% |
| Subscriptions | $70 | 2.0% |
What drives this basket: rent is still the anchor weight, but transport inflation has a visible impact because it has a larger share than utilities or subscriptions.
Try it in the calculatorSubscription heavy basket
| Category | Monthly spend (illustrative) | Inflation percent (illustrative) |
|---|---|---|
| Rent | $1,200 | 3.0% |
| Groceries | $450 | 3.0% |
| Transport | $200 | 2.5% |
| Utilities | $180 | 2.5% |
| Subscriptions | $220 | 4.0% |
What drives this basket: subscriptions hold a higher weight, so price hikes on bundled services can shift the rate more than in smaller-share baskets.
Try it in the calculatorMinimalist basket
| Category | Monthly spend (illustrative) | Inflation percent (illustrative) |
|---|---|---|
| Rent | $1,000 | 2.5% |
| Groceries | $350 | 2.5% |
| Transport | $150 | 2.0% |
| Utilities | $150 | 2.0% |
| Subscriptions | $60 | 2.0% |
What drives this basket: rent and groceries still lead the weights, but lower total spend makes small changes visible in projections.
Try it in the calculatorQuick takeaways
- Housing often dominates the weight.
- Small categories can matter when their inflation is high.
- Longer horizons amplify small differences.
See the projection table guide for how this shows up in yearly costs.
Safe handling
- Use generic category names.
- Avoid personal identifiers in labels.
- Review the Privacy Policy before sharing exports.
FAQ preview
Which template should I start with? Pick the one that looks closest and replace every number.
Should I include every category? Start with the big ones; add more if they change weights.
What inflation percent should I use? Use low, base, and high ranges; see the assumptions guide.
Why does rent dominate my result? It usually has the largest weight, so its assumption moves the rate most.
How long should I project? Choose horizons that match your planning window; longer horizons magnify differences.
Can I compare scenarios? Yes. Save Base and variations, then compare rates and projections.
Can I export results? You can export CSV and PDF; keep labels generic.
Is this financial advice? No. These are educational templates only.
Try the personal inflation basket calculator
Paste a template, adjust your numbers, and save Base plus variations.