App 3 · Inflation / Cost of Living
Your Personal Inflation Rate
The national CPI never matches your cart. True Cost computes the inflation rate of YOUR actual spending and shows where prices crept up quietly.
Your personal inflation rate+11%Sample · household spend model weighted by your actual spending
Your gap above national+6.9ppprices rose faster for you than the headline suggests
QUIET CREEP DETECTED
Streaming Subscriptions is your biggest surprise: +38.2% in 12 months — vs only +4.1% nationally. One subscription quietly moved from $9.99 → $15.99/mo in April — a 60% jump with only an email notice buried in a terms update. Two others raised prices by $2–3.
top 3 price-creep alerts
#1Streaming Subscriptions quiet creep
One subscription quietly moved from $9.99 → $15.99/mo in April — a 60% jump with only an email notice buried in a terms update. Two others raised prices by $2–3.
+38.2%BLS: +4.1%
→#2Insurance (auto + renters)
Auto insurance premiums spiked at renewal — industry-wide loss-ratio corrections after prior years of underpricing. Renters also up ~7%.
+18.7%BLS: +12.3%
→#3Groceries
Eggs, cooking oils, and bread drove most of the gap — wholesale costs passed through faster than the headline index captured.
+14.2%BLS: +8.4%
→Monetize$6.99/mo standalone, or bundled with Tether (shared backend, two faces).
SaferRead-only Plaid, AES-256-GCM encrypted. Behind the Phase-2 money-rail gate. Observes spend — never moves money.
EducationalNames the "quiet creep" pattern and teaches personal inflation as a concept — not just a number.
PolishSatisfying category heatmap; creep alerts are heads-up, never a scold.