The official inflation figure is a national average. Your life is not. If a big slice of your money goes on rent, energy and the weekly shop, your own inflation is probably running hotter than the number on the news. This quick tool shows you by how much — and our companion guide explains why.
📖 Read first: Why inflation feels worse than the number says
Your Personal Inflation Rate
The headline says one thing. Your spending says another. Enter roughly what share of your monthly money goes on each thing — the calculator weights the latest price rises your way instead of the average way. Pop council tax and home insurance in with your rent, and car insurance in with transport, so nothing gets missed.
Tip: it does not need to be exact. A rough split is enough to see how far your life sits from the headline.
Where do the “price rise %” figures come from?
The default rates are the latest ONS CPIH category figures for the 12 months to May 2026 (for example transport 6.8%, restaurants & hotels 4.2%, food 2.2%, clothing 0.2%; energy and water sit inside housing). They are editable — pop in the latest ONS category figures whenever you like and the calculator updates. The point is the weighting: it is your spending shape, not the averages, that decides your personal rate.
Part of the Money Sorted series · moneysorted.money
Illustrative tool — not financial advice. Figures: ONS Consumer Price Inflation & Private Rent and House Prices, UK (2026).