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Professional Irish Financial Analysis • 2026
Generated On
22 July 2026
Note: This report is an estimate based on current Irish Revenue tax bands and provided inputs. For official tax advice, please consult a qualified professional or visit Revenue.ie.
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Calculate YOUR personal inflation rate based on what you actually spend, not the national average.
Personal Inflation Calculator measures your individual inflation rate based on your actual spending patterns, not the national CPI.
Enter your spending across categories like housing, food, transport, and energy. The tool compares your personal inflation rate to the official CPI.
All calculations are estimates based on your inputs and published inflation data.
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.
Scenario-based suggestions to help you validate your result and explore the next decision point.