Lifestyle inflation occurs when your spending increases at the same rate as or faster than your income growth. To calculate it, subtract your previous monthly spending from your current spending, then divide by the previous amount. A "Subscription Fatigue" score measures the percentage of your monthly income consumed by recurring automated payments, which can significantly delay long-term wealth accumulation.

Measure your "Income Leak" and see the 10-year impact of your spending habits.

Formula

Survival Score = [(Current Income - Total Fixed Costs - Variable Creep) / Current Income] * 100. Lifestyle Inflation Rate = ((Current Spending - Base Spending) / Base Spending) * 100.

How It Works

Input your previous and current monthly net salary.
Adjust the slider to estimate your personal inflation rate based on local price hikes.
Enter your total monthly automated subscription costs.
Review your Survival Score and 10-year wealth divergence chart.

Formula:

Survival Score = (Income Growth Benefit - Subscription Drain - Inflation Gap) normalized to 0-100.

Examples

A user earns $5,000, has $200 in subs, and a 3% raise during 5% inflation.

Result: Survival Score: 38/100. High erosion due to inflation exceeding salary growth.

A user earns $8,000, has $50 in subs, and a 10% raise during 2% inflation.

Result: Survival Score: 92/100. Strong wealth accumulation potential.

A user earns $3,000 and has $150 in subs with 0% salary growth.

Result: Survival Score: 25/100. Critical subscription fatigue at 5% of income.

Frequently Asked Questions

What is a good Subscription Fatigue score?

Ideally, your total monthly subscriptions should be below 2% of your net income. Above 5% is considered "High Fatigue" and significantly impacts long-term savings.

How does personal inflation differ from CPI?

The Consumer Price Index (CPI) is a broad average. Your personal inflation depends on your specific basket of goods (e.g., rent, gas, tuition) which can vary by +/- 10% from the official CPI.

Why does lifestyle inflation happen?

It is a psychological phenomenon where users increase their quality of life (convenience, luxury) as soon as discretionary income increases, preventing higher wealth accumulation.

How can I improve my Survival Score?

Audit your recurring payments, negotiate your salary annually to beat inflation, and maintain a fixed budget for convenience expenditures regardless of income level.

What is wealth divergence?

It is the growing gap over time between your potential wealth (if you invested a percentage of income) and your actual wealth (eroded by leaks and inflation).

Key facts

Lifestyle inflation tracks the direct correlation between rising income and proportional spending increases. A high Subscription Fatigue score (>5% of net income) indicates significant wealth erosion over time. Real Purchasing Power is calculated by adjusting nominal salary growth against individual spending inflation. Common "leaks" include automated subscriptions, premium convenience fees, and incremental housing upgrades.

Trend & Behavior Analysis

When your salary growth (Line A) stays below your lifestyle inflation (Line B), your net wealth divergence becomes negative over time. Even a 2% monthly increase in lifestyle spending can reduce your 10-year projected savings by up to 35% due to the loss of compounded interest opportunities.