Priceyour private price memory
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The official inflation rate is a national average of a basket you don't actually buy. Enter what a few of your regular items cost before and now — get your real rate, and see how far it is from the government's number.
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The Consumer Price Index (CPI) tracks a fixed, averaged basket across the whole country — thousands of goods and services weighted by national spending patterns. It's a useful macro number, but it is almost certainly not your number. You don't buy the average basket. You buy your basket, at your stores, in your sizes.
Two things push your personal rate away from the headline figure. First, weighting: if you spend more of your budget on the things that rose fastest (groceries, insurance, rent), your rate runs hotter than the blended average. Second, shrinkflation: when a 12 oz package quietly becomes 10 oz at the same price, that's a 20% per-unit increase the sticker price hides — and it shows up in what you actually pay long before it shows up in a national index.
This calculator gives you a one-time snapshot from a handful of items. To see the real picture — every item, every store, tracked over months and years — you need a running record of what you pay.