Free Toolcalculator

Lifestyle Inflation Detector

Find out how much of your salary increase actually went to savings versus lifestyle creep.

Example data — edit to match your numbers

2 Years Ago

Monthly take-home income

Monthly savings

Monthly take-home income

Monthly savings

Of your raise

went to savings. The rest became lifestyle.

Raise

$1,400

per month

Saved of raise

$200

14% captured

Spent of raise

$1,200

86% absorbed

What that spending costs over time

If you'd invested the extra $1,200/month at 7% for 10 years, that's what it would be worth.

If you'd saved 50% of your raise instead, you'd be putting away $1,100 a month today.

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