What is the cost of living doing to you?
The national numbers, then your numbers. Put in what your household spends and see how much prices rising costs you over the next year.
The national picture
Figures are a dated snapshot. Click a card's source to see the official release. Electricity and rent changes come from Westpac's analysis of the Stats NZ release, so check Stats NZ before quoting them.
Your household, month by month
Rough numbers are fine. Leave out anything that does not apply.
Where your money goes
A year from now
Move the sliders to match how much you think each cost will rise. We start with the latest official figure where we have one.
If your pay rises
What next?
Questions people ask
Where do the national numbers come from?
Inflation, income and unemployment are from Stats NZ, and interest rates are from the Reserve Bank. Each card links to its source and shows the period it covers.
Is my data stored anywhere?
Only in your own browser, so the page remembers your numbers next time. We never receive them. Use "Copy link" to share a result.
Why is my inflation different from the official figure?
Official inflation averages a basket of what a typical household buys. If you spend a bigger share on power or petrol, your own rate can be quite different, which is why this tool uses your own numbers.
Do you give financial advice?
No. This is a calculator for planning. For advice about your own money, talk to a licensed financial adviser or free budgeting service such as MoneyTalks (0800 345 123).
Source Stats NZ: consumers price indexChecked 2 October 2026Streetwise. Free, no sign-up.
A snapshot of Stats NZ and Reserve Bank numbers, then your own figures. An estimate for planning.
Still not sure? MoneyTalks · Sorted · Citizens Advice Bureau.
Sources: Stats NZ CPI June 2026 quarter, Stats NZ income, RBNZ OCR, RBNZ mortgage rates.