Personal Inflation Basket Calculator
Build your own spending basket and compare it to official CPI
Track how each category in your life is inflating, weigh them by your actual spend, and see how much your lifestyle could cost in the future.
Personal Inflation Snapshot
Awaiting input—
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This is a weighted average of your spending categories compared to their expected inflation.
Category breakdown
How each category drives your personal inflation.
| Category | Monthly spend | Inflation | Weight | Contribution |
|---|---|---|---|---|
| Add categories and calculate to see the breakdown. | ||||
Projection table
Enter your basket to model the cost of maintaining it over time.
| Year | Annual cost | Monthly equivalent |
|---|---|---|
| No projections yet. | ||
Projected lifestyle cost
Visualize what each year could cost compared to a 0% inflation baseline.
AI Personal Inflation Insights
Use AI to interpret your basket, surface risks, and suggest adjustments.
Scenario comparison
Save different baskets (e.g., “Rent raise”, “Move to suburbs”) and see how their inflation and future costs stack up.
Personal inflation FAQs
These common questions help explain how the calculator works, why personal inflation differs from CPI, and how to interpret your projections.
What is a personal inflation basket? +
A personal inflation basket is the mix of categories you spend on—such as rent, food, transport, subscriptions, childcare, or hobbies—weighted by your actual expenses. Because your mix differs from national CPI, your personal inflation can run hotter or cooler than official numbers.
How is the personal inflation rate calculated? +
Each category’s monthly spend is divided by your total monthly spend to determine its weight. The calculator multiplies that weight by the category’s annual inflation percentage, sums the contributions, and returns a weighted personal inflation rate. The projections then compound that rate over the selected horizon.
What data do I need to use the calculator? +
You only need estimated monthly spend and expected annual inflation for each category. Optional exports let you download CSV or PDF reports, and the AI insights button summarizes drivers and practical next steps.
Can the tool export or share results? +
Yes. After running a calculation you can generate a CSV dataset, a printable PDF summary, AI commentary, and even save multiple scenarios for comparisons so you can discuss them with a partner or advisor.
Disclaimer: This calculator is for educational purposes only and does not provide financial advice.