Data-driven financial analysis. Every number backed by BLS data, IRS publications, or our own verified calculators.
The US effective tariff rate is 7–12% in 2026. We model all three credible policy paths — tariffs double to 20%, halve to 5%, or stay — with CPI impact, annual household costs, and GDP effects for each.
Tariffs are paid by US importers, not foreign governments. A $30 tariff on a washing machine becomes a $46+ price increase at retail through the markup multiplier effect. Here's how it works.
While you save for a down payment, home prices rise and your savings lose purchasing power. We calculate the dual squeeze year by year with real data.
The BLS tracks 80,000 items across 23,000 outlets. But CPI misses asset prices, has a shelter lag, and uses substitution adjustments. Here's the full picture.
Section 301, Section 232, and reciprocal tariffs add $1,200-$2,600 per household annually. We break down the effective rate on 12 consumer goods categories.
Tariffs are a regressive tax — lower-income households spend a higher share on tariffed goods. We calculate the cost by income bracket from $30K to $150K+.
Tariffs are a one-time price level shift. Inflation is an ongoing rate of change. We explain the distinction, the feedback loop, and how to separate them in your budget.
The headline CPI is an average across 130 million households. Your actual inflation rate depends on what you spend money on. We break down how to calculate yours using BLS sub-index data.
$100 in 2020 is worth $80.67 in 2025 purchasing power. But that national average hides dramatic differences across spending categories. Here's the full breakdown.
Food at home surged 13.5% YoY in 2022 while shelter lagged at 5.1%. By 2023 the roles reversed. Here's why CPI categories diverge and what it means for your budget.
Food at home prices rose 27% since 2020. A family of four on a moderate USDA plan now spends over $1,100/month on groceries. We break down the numbers by household size.
A $75,000 salary in 2020 needs $93,000 in 2025 to maintain the same purchasing power. Most workers didn't get there. Here's how to calculate your personal salary gap.
Transportation surged 37.7%, apparel only 8.8%. We rank all 8 BLS categories by cumulative inflation and explain the structural drivers behind each.
Analysis by the team at accurate.software. Every calculation verified against our methodology.