Budget impact calculator
Enter what you spend each month. Using the latest CPI year-over-year rates for energy, housing, food and the rest of the basket, we show how much more the same lifestyle costs you — per category, per month and per year. Data through Sep '26.
Your monthly budget
Budget today
$4,000
Same lifestyle now costs
$4,215
Extra per month
$215.40
Extra per year · blended rate
$2,585 (+5.38%)
Added cost by category
Extra dollars per month at latest CPI rates
Twelve-month cost path
Monthly cost of the same basket if current rates persist
Line-by-line impact
Your spend, the applied CPI rate and the resulting cost
| Category | You spend | CPI rate | New cost | + / month | + / year |
|---|---|---|---|---|---|
| Energy | $320 | +20.59% | $385.89 | $65.89 | $791 |
| Transportation | $640 | +8.01% | $691.26 | $51.26 | $615 |
| Housing | $1,440 | +3.47% | $1,489.97 | $49.97 | $600 |
| Food | $560 | +2.82% | $575.79 | $15.79 | $190 |
| Apparel | $200 | +6.10% | $212.20 | $12.20 | $146 |
| Recreation | $280 | +3.15% | $288.82 | $8.82 | $106 |
| Education & comms. | $240 | +2.55% | $246.12 | $6.12 | $73 |
| Medical care | $320 | +1.67% | $325.34 | $5.34 | $64 |
| Total | $4,000 | +5.38% | $4,215.40 | $215.40 | $2,585 |
How this works: each category line is multiplied by that category's latest 12-month CPI change (not seasonally adjusted), so the result is what the same purchases would cost after a year of the inflation just recorded. The twelve-month path compounds each category at its own pace. This is an illustrative estimate, not a forecast or financial advice — your actual costs depend on where and what you buy.