Personal Inflation Calculator
The CPI is an average. Your inflation is personal. Enter your actual spending to see your real cost-of-living increase — and the raise you need just to stay even.
Your Income
Monthly Spending — Last Year vs This Year
Enter your average monthly cost. Leave at 0 if it doesn't apply to you.
| Category | Last Year/mo | This Year/mo |
|---|---|---|
| Housing (rent/mortgage)+10.0% | $ | $ |
| Groceries+10.0% | $ | $ |
| Transportation (gas, insurance)+8.9% | $ | $ |
| Healthcare & insurance+11.4% | $ | $ |
| Utilities+7.5% | $ | $ |
| Dining out+6.7% | $ | $ |
| Software & subscriptions+16.7% | $ | $ |
| Professional services+10.0% | $ | $ |
Your personal inflation is 6.6 percentage points above the official CPI — the headline number understates your cost-of-living increase.
Biggest Driver of Your Inflation
Category Breakdown
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