Personal inflation calculator for Singapore: your own inflation rate

Your inflation rate

Tap a household like yours, or answer the three questions: your rate for the last 12 months shows at once, against SingStat’s headline rate, with the reasons it differs. Open “Your spending, line by line” to put in your own amounts.

Start from a household like yours

HDB 4-roomOwn it, no carHDB 3-roomOwn it, no carHDB 5-roomOwn it, with a carCondoOwn it, with a carRentingAn HDB 4-room, no carRetiredEveryone 65+, own, no car

Your homeHDB 4-room flatHDB 3-room flatHDB 5-room or Executive flatHDB 1- or 2-room flatCondo or other apartmentLanded houseRetired household, everyone 65 or overAverage household (SingStat’s basket)

Starts you on what these households spend, from SingStat’s Household Expenditure Survey 2023. Change any amount below.

Own or rent

Own Rent

Car or motorcycle

Yes No

Children in school

Yes No

HDB 4-room flat, own, no car, children in school · $4,321 a month

2.2% your inflation, Sep 2025 to Sep 2026

Headline 2.2% · Without imputed rent 2.6% · MAS Core 2.0%

What you buy for $4,321 a month cost $4,230 a year ago: $91 more a month, about $1,092 a year. That is the same as headline inflation, 2.2%.

Why yours is different

• Your home’s rent value: not in your spending, 21.2% of SingStat’s basket; prices rose 0.6% (+0.34 points)
• Petrol: not in your spending, 1.7% of SingStat’s basket; prices rose 18.5% (−0.28 points)
• Phone, internet and devices: 6.2% of your spending, 3.7% of SingStat’s basket; prices fell 5.0% (−0.18 points)
• Car or motorcycle: not in your spending, 7.6% of SingStat’s basket; prices rose 4.5% (−0.17 points)
• Everything else: +0.25 points

Your inflation Headline inflation

Tap or hover on the chart to read a month.

0%1%2%3%

Jan 2025Jul 2025Jan 2026Jul 2026

How this is worked out

Each line’s change in price is SingStat’s index for it, September 2025 to September 2026 (the table under “Your spending, line by line”). What your spending would have cost a year ago is each amount × the index then ÷ the index now, added up: $4,230. Your inflation: $4,321 ÷ $4,230 − 1 = 2.15%. The headline rate, worked out the same way from SingStat’s basket, is 2.20%; the points beside each reason add up to the difference. Your home’s rent value (imputed rent) is left out, as SingStat leaves it out of its “all items less imputed rentals” index.

Your spending, line by line: put in your own amounts

Put in what your household spends in a month on each. They start at the average for your kind of household, so the closer they are to your own, the closer the rate. Leave out savings, loan repayments, CPF and income tax: they are not prices of things you buy.

All of it, a month

$

Change it to scale every line up or down.

Back to the starting amounts

Your spending a month, line by line, and each line’s change in price over the year

Spending on	A month	Prices in a year
Hawker foodHawker centres, food courts, coffee shops and kiosks	$	+2.4%
Restaurants and cafesRestaurants, cafes, pubs, fast food and catering	$	+1.5%
GroceriesFood and drinks from shops and markets	$	+3.2%
RentRent you pay for a flat, house or room	$	+1.1%
Your home’s rent valueThe rent your own home would fetch, which SingStat counts for owners (imputed rent); you pay it to no one Count it, as SingStat’s headline rate does	$	+0.6%
S&CC, condo fees and repairsService and conservancy charges, maintenance fees, home repairs	$	+3.1%
Electricity, gas and waterAlso refuse collection	$	+6.1%
Car or motorcycleBuying one (with its COE), parking, road tax, servicing and insurance; not petrol	$	+4.5%
PetrolAnd other fuel for your car or motorcycle	$	+18.5%
Buses, trains and taxisMRT, bus, taxi and ride-hail fares	$	+6.6%
Flights and holidaysAirfares, ferry fares, hotels and package tours	$	+2.9%
Phone, internet and devicesMobile and broadband plans, phones, computers, software	$	−5.0%
Doctors and medicineGP, polyclinic, specialist, dental and hospital bills, medicines	$	+2.0%
Health insuranceHealth insurance premiums, e.g. Integrated Shield plans	$	+8.6%
School feesPreschool, school, polytechnic and university fees, textbooks	$	−2.4%
Tuition and coursesPrivate tuition and other courses	$	+2.4%
Domestic helper and householdDomestic help, cleaning, household supplies	$	+1.1%
Furniture and appliancesFurniture, appliances, kitchenware and household textiles	$	−0.8%
Clothes and shoes	$	+2.1%
Hobbies, sport and petsSport, shows, pets, books, games and stationery	$	+2.2%
Haircuts and personal careHairdressing, toiletries and cosmetics	$	+2.3%
OtherAlcohol and tobacco, jewellery and watches, other services	$	+2.5%

Prices in a year: SingStat’s index for each line, September 2025 to September 2026.

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The link holds the amounts on screen, so anyone you send it to sees them.

Every kind of home, own or rent, with or without a car

For the year to Sep 2026, the rate runs from 1.7% (Landed house, rent, no car) to 4.4% (HDB 1- or 2-room flat, own, with a car or motorcycle), against headline inflation of 2.2%. A car or motorcycle raises it by 1.2 points on average; renting instead of owning lowers it by 0.3 points on average. Tap a figure to load it into the calculator and see why.

Each figure is the calculator’s answer for that household at its average spending (HES 2023), children in school except for retirees, the home’s rent value left out. Year to Sep 2026.

SingStat’s own figures by household income

SingStat works out inflation for households by income twice a year, each group with its own basket. In January to June 2026 it was 1.2% for the lowest-income 20% of households, 1.8% for the middle 60% and 1.6% for the highest 20%, against 1.7% for all households. Every half-year on the inflation page.

We don’t offer income groups as a starting point, because we can’t rebuild SingStat’s figures from what it publishes: each group’s weights for the ten divisions, priced by all households’ index for each division, miss SingStat’s rate by up to 0.45 points (lowest 20% by income, July to December 2025). Within a division, groups buy different things and pay different prices, for example subsidised school fees. So the table below shows SingStat’s figures, with our attempt under each in small print.

SingStat, CPI by household income group (tables M213881, M214001, M214011, M214021), % on the same half-year a year before; division weights from SingStat’s release for January to June 2026. Ours: worked out on 29 Oct 2026.

The checks

• Our 22 lines, at SingStat’s own weights, rebuild its consumer price index for all items in every month since January 2024, to within 0.0008 index points. For Sep 2026 that gives 2.20%; SingStat published 2.2%.
• Without the home’s rent value, they rebuild SingStat’s “all items less imputed rentals for housing”, to within 0.0012 index points: 2.63% for Sep 2026, against SingStat’s 2.6%.
• The job that reads SingStat’s tables runs both checks every time. If either fails, the calculator keeps the last good figures and the job flags it to us.
• Where SingStat publishes weights only for a group, we worked out its classes’ weights from the indices themselves (they fit to within 0.001 points every month), e.g. imputed rent 2,138 out of 10,000, which is the 10,000 less SingStat’s 7,862 for all items less imputed rent.

The 22 lines: SingStat series, weights and prices in a year

Each line’s SingStat series (table M213751), weight per 10,000 and change in price over the year

Line	SingStat series	Weight	Prices in a year
Hawker food	1.11.3	707	+2.4%
Restaurants and cafes	1.11.1, 1.11.2, 1.11.4	684	+1.5%
Groceries	1.01	651	+3.2%
Rent	1.03.1.1	294	+1.1%
Your home’s rent value	1.03.1.2	2,138	+0.6%
S&CC, condo fees and repairs	1.03.1.3	224	+3.1%
Electricity, gas and water	1.03.2	282	+6.1%
Car or motorcycle	1.06.1, less 1.06.1.5, less 1.06.1.6	728	+4.5%
Petrol	1.06.1.5, 1.06.1.6	178	+18.5%
Buses, trains and taxis	1.06.2	262	+6.6%
Flights and holidays	1.06.3, 1.08.7	441	+2.9%
Phone, internet and devices	1.07	381	−5.0%
Doctors and medicine	1.05.1, 1.05.2, 1.05.3, 1.05.4	783	+2.0%
Health insurance	1.05.5	225	+8.6%
School fees	1.09.1, 1.09.3	395	−2.4%
Tuition and courses	1.09.2	184	+2.4%
Domestic helper and household	1.04.6	279	+1.1%
Furniture and appliances	1.04.1, 1.04.2, 1.04.3, 1.04.4, 1.04.5	268	−0.8%
Clothes and shoes	1.02	165	+2.1%
Hobbies, sport and pets	1.08.1, 1.08.2, 1.08.3, 1.08.4, 1.08.5, 1.08.6	285	+2.2%
Haircuts and personal care	1.10.1	211	+2.3%
Other	1.10.2, 1.10.3, 1.10.4, 1.10.5, 1.06.4	235	+2.5%

Series numbers in SingStat’s table M213751 (CPI, 2024 = 100, monthly). Weights per 10,000 at 2024 prices; “less” takes a class out of its group. Prices in a year: September 2025 to September 2026.

Common mistakes

• “My inflation is how much more I spent this year.” Not quite. If you bought more, or different things, your spending rose for reasons that have nothing to do with prices. The calculator keeps what you buy the same and asks only what those things cost a year ago.
• “My flat’s price and my mortgage belong in my inflation.” The CPI leaves out home prices and loan repayments, because buying a home is an investment as well as a place to live. For owners it counts the rent the home would fetch, which you can add under “Your spending, line by line”.
• “My rate is higher than the CPI, so the CPI is wrong.” The CPI is the average for all resident households. A rate above it means your mix is different, usually more driving or less of what got cheaper; the reasons under your answer say which.
• “I should put in my savings, CPF and loan repayments.” Leave them out. They aren’t prices of things you buy, and the CPI doesn’t count them either.

Questions people ask

How it works

• Your inflation is what your spending costs now against what the same things cost 12 months before: each line’s amount is priced by SingStat’s consumer price index for it (table M213751, 2024 = 100). It is the same sum SingStat uses for the CPI, on your basket instead of the average one.
• The starting amounts are SingStat’s 2024 CPI weights, each line scaled by how much more or less of their spending that kind of household puts on it in SingStat’s Household Expenditure Survey 2023 (tables 17972 by type of home, 18009 for retirees), at that household’s average spending. With a car or motorcycle, the car and petrol lines are that average divided by the share of these households with a car or a motorcycle (HES 2023, Chart 5.20, the two added), since the others spend nothing on them. It is a rough start: put in what yours costs. Owners pay no rent; renters pay what the home would let for, which is what SingStat’s imputed rent stands for.
• The home’s rent value is left out for owners unless you count it. SingStat counts it in the headline rate, and also publishes the CPI without it, because, in its words, imputed rentals “have no impact on the cash expenditures of most households in Singapore as they already own their homes”. Home prices and mortgage payments are not in the CPI at all.
• “Why yours is different”: for each line, the share of your spending less its share of SingStat’s basket, times how much its prices rose above or below the headline rate. The points add up to the difference between your rate and the headline rate worked out the same way.
• Limits: each line uses the index for all households, so if you buy different things within a line (say, a different school), your prices can move differently. The month-by-month chart keeps today’s amounts, so it shows how prices moved, not how your spending changed. Lines start in January 2024, when SingStat’s CPI moved to 2024 weights, so the first year-on-year figure is for January 2025.
• The calculator runs in your browser; nothing you type is sent to us or kept. A job reads SingStat’s tables twice a day and every 15 minutes on release days (how).
• SingStat’s data are under the Singapore Open Data Licence: “Contains information from Consumer Price Index and Household Expenditure Survey accessed on 31 Oct 2026 from SingStat Table Builder, which is made available under the terms of the Singapore Open Data Licence version 1.0.” Numbers.sg is not connected to SingStat or MAS, and no one pays us. See our disclaimer and corrections.

Changes to this page

1. 29 Oct 2026

   New: a personal inflation calculator. Say what kind of home you live in, whether you own or rent, and whether you have a car or children, or put in what you spend, and see your own inflation rate for the last 12 months against the headline rate, with the reasons yours differs and what it costs you a month. Each of 22 kinds of spending is priced by SingStat’s own CPI series, and together they rebuild SingStat’s headline index every month since 2024. The starting mixes come from SingStat’s Household Expenditure Survey 2023. Also on the inflation page: three questions that point you to it. Work out your own inflation rate