💰 Lifestyle Inflation Tracker

Track and control lifestyle creep to stay on your FIRE path

📊 Financial Dashboard

Savings Rate Trend

Spending vs Income

💵 Savings Rate Analysis

Monthly Savings Rate

📈 Inflation Analysis

Personal vs CPI Inflation

🏷️ Category Analysis

Spending by Category

Category Growth Rates

📝 Manage Your Data

ℹ️ About This Tool

What is Lifestyle Inflation?

Lifestyle inflation (or lifestyle creep) occurs when discretionary spending increases as income rises, potentially derailing long-term financial goals like FIRE.

Key Metrics Explained

💵 Savings Rate

Formula: (Savings / Income) × 100

The most direct measure of lifestyle inflation. If your savings rate declines while income increases, lifestyle inflation is occurring.

FIRE Targets: 20% minimum, 50%+ optimal

📈 Personal Inflation Rate

Formula: Year-over-year spending growth

Compares your spending growth to CPI (Consumer Price Index). If consistently higher than CPI, your lifestyle is inflating beyond economic inflation.

🏷️ Category Analysis

Tracks spending by category to identify specific inflation hotspots.

Essential: Housing, groceries, transportation, insurance, utilities

Discretionary: Dining out, entertainment, shopping, subscriptions, travel

How to Use This Tool

  1. Go to the Manage Data tab
  2. Either load example data or add your own monthly entries
  3. Review the Dashboard for an overview of your financial health
  4. Check Savings Rate to see if lifestyle inflation is occurring
  5. Use Inflation analysis to compare against CPI
  6. Dive into Categories to find specific problem areas

Data Privacy

All your data is stored locally in your browser. Nothing is sent to any server. Your financial information stays private and secure on your device.