Your inflation

The official rate follows the prices of the average household’s shopping. Put in what you spend in a month, and see the rate for yours.

Country

HICP, 12 months to August 2026. Official rate 3.2%. Source: Eurostat, HICP (ECOICOP ver. 2).

Each line starts at the average household’s split of 1,000 a month. Change the lines to your own amounts, in any currency. Leave out savings, taxes and loan repayments.

Your monthly spend by category, and the change in each category’s prices over 12 months
What you spend on	Share	Prices, 12m
Food and soft drinks	15.4%	+0.7%
Alcohol and tobacco	3.6%	+2.8%
Clothing and shoes	4.8%	+0.6%
Housing and energy	14.6%	+4.3%
Furniture and household goods	5.8%	+0.6%
Health	5.9%	+3.6%
Transport	15.2%	+7.8%
Phone and internet	3.8%	+1.8%
Leisure and culture	8.8%	+0.9%
Education	1.1%	+3.9%
Restaurants and hotels	11.6%	+3.6%
Insurance and finance	3.0%	+2.8%
Personal care and other	6.5%	+3.0%

The Macro Notebook

Personal inflation

Euro area, 12 months to August 2026

Food and soft drinks15.4% × +0.7%+0.11
Alcohol and tobacco3.6% × +2.8%+0.10
Clothing and shoes4.8% × +0.6%+0.03
Housing and energy14.6% × +4.3%+0.63
Furniture and household goods5.8% × +0.6%+0.03
Health5.9% × +3.6%+0.21
Transport15.2% × +7.8%+1.19
Phone and internet3.8% × +1.8%+0.07
Leisure and culture8.8% × +0.9%+0.08
Education1.1% × +3.9%+0.04
Restaurants and hotels11.6% × +3.6%+0.42
Insurance and finance3.0% × +2.8%+0.08
Personal care and other6.5% × +3.0%+0.19

Sum of the lines+3.19

Index adjustment+0.01

Your inflation3.2%

Official rate (HICP)3.2%

The same as the official rate.

macronotebook.com/your-inflation

Why yours differs

With the average household’s spend, your rate is the official rate. Change a line to see what moves it.

How it works

Statistics offices measure inflation with a basket: the things the average household buys, each with its share of the budget. Your basket is different. If more of your money goes on the things whose prices rose most, your inflation is higher than the official rate.

The calculator takes the price change of each category over the last 12 months, as the statistics office published it, and weights it by your share of spending instead of the average household’s. On the receipt, your share times the price change gives each line’s part of your rate.

The official index is built month by month, so a simple sum of its categories misses the published rate by a little. The adjustment line adds that gap back. It is the same for everyone in a country, and it makes the average household’s receipt end on the official rate.

The categories are broad. Inside transport, fuel may have risen while cars got cheaper, and the calculator cannot see which of them you buy. Take the result as an estimate.

Nothing you type leaves your browser. The link you copy holds your amounts, so anyone who opens it sees the same receipt.

Sources

Eurostat, HICP (ECOICOP ver. 2): 39 countries.
Eurostat, HICP item weights (ECOICOP ver. 2): 39 countries.
ONS, Consumer price inflation (MM23): United Kingdom.
Statistics Canada, Table 18-10-0004-01: Canada.
Statistics Canada, Table 18-10-0007-01 (2025 basket): Canada.
BLS, Consumer Price Index (CPI-U): United States.
BLS, Relative importance of CPI components, December 2025: United States.