Your estimated rate
See an estimated household inflation rate alongside national CPI.
New Zealand household inflation calculator
Inflation is national. Your spending is personal.
Answer eight simple questions to estimate your household's own inflation rate — sometimes called a personal inflation rate — using official Stats NZ price movements. No receipts, and no bank connection.
4.1%Latest annual CPI
8 questionsAbout one minute
PrivateAnswers stay in your browser
An unofficial general estimate. It sits outside the official Stats NZ measures and offers no financial advice.
Question 1 of 8
Your household
Who lives in your household?
A rough household size helps us make modest adjustments to common spending patterns.
Adults
Children
Why your number can differ
The headline CPI averages every household into one basket.
A household without a car is less directly exposed to fuel prices. Renters and homeowners face different combinations of rent, maintenance, rates and insurance. Diet, home energy, childcare, health and travel all change which price movements matter most.
This calculator adjusts detailed spending components using a small number of meaningful household choices, then groups the result into an explanation that is easy to follow.
Read the plain-English methodologyWhat you receive
A percentage that comes with its reasons.
Your main drivers
Understand which parts of your household profile pushed the result up or down.
A dollar translation
Convert the estimate into a rough monthly cost or income reference point.
Pay and purchasing power
Inflation sets the floor of a pay conversation.
Your household inflation estimate can indicate the rise in take-home income that would broadly preserve purchasing power. The rest of the conversation is about your professional value.
Market pay, performance, responsibilities, skills and internal equity still matter. Treat the result as a cost-of-living floor for a broader conversation.
Read the pay-rise guideCommon questions
About the estimate
What is household inflation?
Household inflation is an estimate of how the prices of the goods and services your household tends to buy have changed. It can differ from headline CPI because every household spends differently.
Is household inflation the same as a personal inflation rate?
Yes, broadly. A personal inflation rate and a household inflation rate both describe how price changes combine for your specific spending pattern rather than the national average basket. This calculator estimates it at the household level using official Stats NZ category price movements.
Is this an official CPI measure?
No. This is a general educational estimate based on a household profile and official category price movements. Stats NZ publishes the official measures: the CPI and the Household living-costs price indexes (HLPIs).
Is this my exact inflation rate?
No. It is a general estimate based on the profile you choose. It does not know the exact products, shops, quantities or substitutions your household made.
Does having no car remove fuel effects?
It removes most direct private transport exposure. Indirect effects that appear in food, delivery or service prices remain within those categories.
Can this tell me what pay rise to ask for?
It can provide a cost-of-living reference point for preserving household purchasing power. A pay request should also consider market pay, performance, skills and responsibilities.