Lifestyle Inflation Calculator

This free Lifestyle Inflation calculator helps you measure lifestyle creep after a raise or life change. Enter your old spending, new spending, and income to see your spending increase, savings rate impact, and the long‑term wealth you could have built if you invested the difference. No signup. 100% free.

📈Spending increase ($ and %)

💸Savings rate before vs after

🏆Opportunity cost (future value)

📱Perfect for screenshots & sharing

Enter your numbers

Enter your previous monthly spending, your current monthly spending, and your monthly take‑home income. Add an expected annual investment return to estimate the long‑term cost of lifestyle creep (aka lifestyle inflation).

Old monthly spending *

💳

New monthly spending *

🛍️

Monthly take‑home income *

💵

Increase happened over

📅

Expected annual investment return

📈 %

Opportunity cost horizon

🕒 years

Optional annual income growth

🚀 %

How much of future raises will you “capture”?

🧠

Your lifestyle inflation results will appear here

Enter your old spending, new spending, and income, then tap “Calculate Lifestyle Inflation”.

This is a practical money tool: measure lifestyle creep, compare scenarios, and share your results.

Meter: 0% = no lifestyle inflation · 25% = mild · 50% = moderate · 75%+ = high creep risk.

LowModerateHigh

This calculator is for educational purposes and planning. It doesn’t replace professional financial advice. Double‑check important decisions with a qualified professional.

💑Lifestyle creep snapshot

What this calculator shows

A clear breakdown of how your spending changed after a raise (or life upgrade) — and what that change could cost you over time if the difference isn’t saved or invested.

Spending more isn’t “bad” — but it has an opportunity cost.
Small monthly increases compound into big lifetime totals.
Use the results to set guardrails: automate saving, define “intentional splurges,” and keep your goals on track.

Pro tip: If your income changed too, you can model future raises and choose how much of each raise you keep (save) vs let inflate your lifestyle.

⚠️Important note

Not a judgment — just a mirror

Lifestyle inflation happens to almost everyone. This tool doesn’t shame you — it helps you see tradeoffs so you can choose what’s worth it.

Enjoy the result but keep your own judgment first.
Real relationships depend on communication, respect and actions.
If you’re struggling in a relationship, talk to the person or a professional, not a calculator.

MaximCalculator provides simple, user-friendly tools. Always treat results as entertainment and double-check any important numbers elsewhere.

Lifestyle Inflation Calculator

Enter your numbers

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