Official rates average across all households. Your real inflation depends on what you actually spend money on.
{{ __t('basket_hint') }}
| {{ __t('th_category') }} | {{ __t('th_official_weight') }} (%) | {{ __t('th_your_weight') }} (%) | {{ __t('th_inflation') }} (%/{{ __t('year_short') }}) |
|---|---|---|---|
| {{ __t('cat_' + cat.key) }} | {{ cat.officialWeight.toFixed(1) }} | ||
| {{ __t('th_sum') }} | {{ result.officialSum.toFixed(1) }} | {{ result.yourSum.toFixed(1) }} |
{{ __t('in_5_years') }}: {{ fmt(result.value5y) }} € {{ __t('equiv_today') }}
{{ __t('in_10_years') }}: {{ fmt(result.value10y) }} € {{ __t('equiv_today') }}
{{ __t('loss_5y') }}: −{{ fmt(incomeMonthly - result.value5y) }} €
The official inflation rate (CPI / HICP) weights each category by the average household. But you probably don't spend 26% on housing — maybe 40% if you rent in a big city, or 15% if your home is paid off. If prices rise sharply in your top categories, your real inflation is far above the statistical average.
If your personal inflation is, say, 5%, you need a real after-tax return above 5% to keep your purchasing power. A 3% savings account means losing 2% real value yearly. Over 10 years that's ~18% lost — €3,000 today becomes effectively €2,460 worth. Diversified ETF plans or real assets are classic hedges.