Free Tool from GlideFi

How much has your lifestyle
outpaced your income?

Enter your numbers. Get your Lifestyle Inflation Score — and see exactly what that extra spending is costing you in future wealth.

🔒

Your data never leaves this page.

This tool runs entirely in your browser. No accounts, no bank connections, no data stored anywhere. Everything you enter disappears when you close the tab. GlideFi does not collect, transmit, or store any information you enter here.

Step 01

Set your time period & income

"Then" Year — your starting point

Monthly Take-Home Pay — Then after taxes

"Now" Year — your current point

Monthly Take-Home Pay — Now after taxes

Total Monthly Spending — Then

Total Monthly Spending — Now

Step 02

Break down your spending by category — monthly amounts

Category	Then ($/mo)	Now ($/mo)

Step 03

Projection assumptions

Investment Return Rate 7.0%

Projection Horizon 10 years

What if you reversed lifestyle inflation by… 25%

CPI / Inflation Rate 3.0%

Your Lifestyle Inflation Score

—

Income Growth

—

Spending Growth

—

Inflation Gap
—
—

Savings Rate

Then vs. Now

Then

—

→

Now

—

Category Breakdown

Where did the extra spending come from?

The Real Cost

Projected wealth lost to lifestyle inflation

If the extra spending had been invested at your assumed return rate, compounded over your projection window.

Monthly Excess Spending

—

your current spending minus what your "then" spending would be today if it had only risen with inflation

Annual Excess Spending

—

monthly excess × 12

Future Value Lost
—
what those monthly excess dollars would have grown to if invested at your assumed return rate over your projection horizon

The "What If" Scenario

What could you recover?

If you cut back that percentage of your monthly excess spending and invested it at your assumed return rate, here's what it compounds to over your projection horizon.

If you rolled back — of your lifestyle inflation, you'd recover

—

in future wealth over —

GlideFi Tool

Ready to take control of your spending?

The GlideFi Budget Tracker helps you build a spending plan that aligns with your goals — and keeps lifestyle inflation from quietly compounding against you.

Get the Budget Tracker — $23.99

GlideFi Tool

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The GlideFi Financial Command Center brings your budget, debt, savings, and financial goals together in a single Excel dashboard — so you always know exactly where you stand.

Get the Financial Command Center — $64.99

This is an educational tool, not financial advice. GlideFi does not provide personalized financial recommendations. All projections are estimates based on your inputs and assumed rates of return. Actual investment returns vary and are not guaranteed. Past performance does not predict future results. Always consult a licensed financial professional for advice specific to your situation.