The payment never rises, so prices shrink it. At last year's 3.4% CPI, the last payment in 2044 costs about 55% of today's in real terms, and the real rate is below zero. It is why your inflation sits below the national figure.
Review
Next review with your fiduciary: Aug 22, 2027, in 316 days. What the meeting will decide if the year ends where the Cash flow dial is set.
Spend less, or contribute less? Each one priced in funded ratio.
$16,680 has to come from somewhere. The funded ratio is 97.5% today.
- Spend less for the rest of the year97.5%0.00 pointsOn the edge$53 a day less for 316 days. Keeps the plan intact.
- Contribute less this year97.0%−0.50 pointsOn the edge$16,680 that never gets invested. One time.
- Let the new pace become normal84.8%−12.72 pointsAt risk$16,680 a year more, every year, into retirement
The 8% isn't $16,680 a year. If it becomes normal, it's a $318,726 promise. See it on the lifetime forecast
Next year's budget, as proposed
Your proposal: $19,200 a year less than today's budget ($20,100 of cuts, $900 of raises). Agreed at the review and kept, it moves the funded ratio from 97.5% to 116.0% Fully funded.
Open next year's budgetYour inflation is not the country's
Your spending mix, priced with the last 12 months of the Consumer Price Index, category by category. The fixed mortgage payment doesn't rise at all; the car's fuel rose a lot.
3.17%your inflation, last 12 months
3.4%national CPI, all items
3.5%CPI-W, the index Social Security's raise follows
Each segment is one category's share of your spending times its price change: together they make your rate. The lines mark the national index and the one Social Security's raise follows.
| Category | Share of spending | Price change, 12 months | Adds | Index used |
|---|---|---|---|---|
| Kids and family support | 14.6% | +3.4% | 0.50 | All items (no sub-index) |
| Cars and transport | 5.3% | +9.3% | 0.49 | Motor fuel 27.9, maintenance 5.2, vehicle insurance −5.1 (thirds) |
| Weekend trips | 2.9% | +9.9% | 0.29 | Lodging away from home 3.2, airline fares 23.4 (two-thirds, one-third) |
| Dining out | 7.0% | +3.4% | 0.24 | Food away from home |
| Healthcare and insurance | 8.2% | +2.5% | 0.21 | Medical care services |
| Golf and hobbies | 3.8% | +5.3% | 0.20 | Sporting goods |
| Gifts and giving | 5.9% | +3.4% | 0.20 | All items |
| Groceries | 8.8% | +2.2% | 0.19 | Food at home |
| Home services (cleaning, lawn) | 4.7% | +3.4% | 0.16 | All items (household operations not published) |
| Utilities and phone | 3.5% | +4.0% | 0.14 | Electricity 3.8, utility gas 4.4, water/sewer/trash 4.8 (blend) |
| Everything else | 3.2% | +3.4% | 0.11 | All items |
| Clothing | 2.9% | +3.6% | 0.11 | Apparel |
| Entertainment and events | 3.5% | +2.7% | 0.09 | Recreation |
| Personal care and fitness | 2.3% | +3.8% | 0.09 | Personal care |
| Online shopping | 7.0% | +0.7% | 0.05 | Commodities less food and energy |
| Home upkeep and furnishings | 5.9% | +0.6% | 0.04 | Household furnishings and supplies |
| Pets | 1.8% | +1.9% | 0.03 | Pets and pet products |
| Subscriptions and streaming | 1.2% | +2.7% | 0.03 | Recreation |
| Mortgage | 7.4% | +0.0% | 0.00 | Fixed payment: no price change |
| Your inflation | 100% | 3.17 | Without the fixed mortgage it would be 3.42% |
Debt: a cost, not an inflation rate
Interest is already counted in the funded ratio, so it is shown here as a burden and never added to the inflation rate. What inflation does to each debt depends on whether its rate is fixed.
$30,000 at a rate that moves with the market: each point rates rise adds $300 a year. This is the debt that does inflate.
$9,220 a year of interest. A cost to weigh, already in the funded ratio, not an inflation rate: adding it to inflation would count it twice and compound it for 30 years.
Price changes: BLS CPI, 12 months to August 2026 (released 11 Sep 2026). Where a category spans several indexes the blend is stated; where BLS publishes none, all items is used. The mapping is illustrative; in the product it comes from categorized transactions.
DDE 0.1.0 · computed 2026-10-11T05:00:00Z · personal RFR 4.24%Sample data: the mockup's illustrative household, not engine output and not a real household.