IE
Loading Tools
Loading Tools
Your CPI
4.9%
National CPI
3.2%
Real Wage
-1.8%
Calculate YOUR personal inflation rate. Based on what you actually spend, not the national average.
Your Personal CPI
4.9%
National CPI: 3.2% · Difference: +1.7%
Total Spend
€3,800/mo
Real Wage
-1.8%
⚠️ Your inflation is 1.7% above national CPI
If your salary increased 3%, your real wage change is -1.8%. Your buying power is shrinking.
What-If: Reduce Housing
Adjust slider to see impact
Savings Erosion
€9,510
€10,000 in savings loses €490 of buying power in 1 year at 4.9% inflation. After 5 years, that €10k is worth only ~€7,779.
Inflation Guide
Your Basket Matters
The national CPI assumes a typical basket. If you spend more on rent (6.2%) and less on electronics (-0.5%), your rate differs from the national average.
Real Wage is What Counts
A 4% raise with 6% personal inflation = -2% real wage loss. Track your personal inflation rate against salary increases to see if you're keeping up.
Reduce Your Inflation
Switch utilities annually, use public transport, buy own-brand groceries, review insurance, and fix mortgage rates to reduce your personal inflation rate.
Frequently Asked Questions
Your personal inflation rate based on YOUR spending basket. The national CPI (3.2%) assumes average spending — your rate may be higher or lower.
If you spend more on housing (+6.2%) and less on electronics (-0.5%), your rate will differ from the national average.
Salary increase minus your personal inflation. A 4% raise with 6% personal inflation = -2% real wage loss.
Utilities (+8.5%), health insurance (+7.5%), childcare (+6.8%), and housing (+6.2%) are the fastest-rising costs for most people.
Shopping/electronics prices are falling (-0.5%). If you spend heavily here, your personal inflation rate drops.
CSO tracks a representative basket of 600+ goods. Housing (25%), transport (15%), and food (12%) have the highest weights.
Yes — Dublin housing inflation is ~8% vs national 6.2%. Regional areas see lower rent increases but higher fuel costs.
Switch utilities annually, use public transport, buy own-brand groceries, and review insurance premiums regularly.
If your savings earn 2% but your personal inflation is 5%, your real return is -3%. Your money buys less each year.
Annually when reviewing your budget. Major life changes (moving, new job, children) significantly change your inflation rate.
Scenario-based suggestions to help you validate your result and explore the next decision point.