Real Consumer Basket

Your Personal Inflation Rate: Calculate Real Money Depreciation

Official government CPI metrics report broad national averages. Calculate the actual inflation of your personal spending basket and discover how much purchasing power you lose each month.

Quick basket profiles:
  • World Currencies (vs USD)
1 Monthly Budget
$ / $ / mo
2 Your Spending Breakdown (% of basket)
100%
Groceries & Food
+14.5% inflation 35%
14 000 $ / mo
Rent & Utilities
+18.5% inflation 25%
10 000 $ / mo
Transport, Fuel & Auto
+12.0% inflation 15%
6 000 $ / mo
Healthcare & Medicine
+13.5% inflation 5%
2 000 $ / mo
Clothing & Footwear
+4.5% inflation 5%
2 000 $ / mo
Restaurants & Dining
+15.0% inflation 10%
4 000 $ / mo
Tech, Education & Telecom
+8.0% inflation 5%
2 000 $ / mo
Your Personal Inflation

0.0%

Weighted price growth of your basket
Official CPI Rate

11.2%

Official CPI
Spread vs Official CPI

+0.0%

Spread
Monthly Depreciation Loss 0 $ / mo

Additional monthly cost from price hikes

Erosion of Cash Savings (Without Investment):

If you keep 100,000 in uninvested cash, at your personal inflation rate its real purchasing power diminishes to:

In 1 year: 0 ₴
In 3 years: 0 ₴
In 5 years: 0 ₴
Monsave Multicurrency Shield (Beating Inflation):

Recommended allocation: 40% government bonds (15% p.a.), 30% USD, 30% term deposits (13% p.a.):

Portfolio Yield: 12.9% p.a.
Real Return Above Inflation: +0.0%
Multicurrency Anti-Inflation Shield

Outpace your personal inflation with Monsave

Money left on a checking account or under the mattress loses purchasing power to inflation over time. Monsave helps you see your accounts and assets in one place.

Category-Specific Price Trend Analytics

Monsave groups your transactions and highlights which expense categories are surging the fastest.

Multicurrency Net Worth Ledger

Track balances across UAH, USD, EUR, and securities with real-time central bank exchange rates.

Direct High-Yield Bond Investments

Protect local cash reserves using tax-free military bonds yielding well above the inflation rate.

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Inflation Shield

Protect your hard-earned savings from monthly depreciation.

Frequently Asked Questions about Personal Inflation

Official statistics measure a basket of over 300 goods and services, including durable goods and rare purchases that increase in price slowly. If your budget is dominated by groceries, rent, and energy, your personal rate is significantly higher.

Housing rent, utilities and electricity (15–20%), fresh groceries (14–18%), and hospitality/services consistently outpace headline inflation.

Distribute it into tiers: 1 month of living costs in flexible liquid accounts, 2–3 months in short-term tax-exempt government bonds (15%), and remaining reserves in hard currency.

No. USD and EUR also experience 2–3% domestic inflation, and during stable exchange rate periods, domestic price growth still erodes local purchasing power.

Monsave monitors your average receipt and monthly category outlays, alerting you to sudden cost spikes and empowering you to allocate surpluses into yield-bearing assets.