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Page version: 2026-08-24 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
What CPI measures
The Consumer Price Index measures changes in prices paid by households and is commonly used to assess inflation and purchasing power. Taiwan's July 2026 CPI was 2.54% higher than a year earlier. This is a current reading, not a 30-year forecast.
What happens to NT$50,000 monthly spending?
| Time | 2% inflation | 2.5% inflation | 3% inflation |
|---|---|---|---|
| Today | 50,000 | 50,000 | 50,000 |
| 10 years | 60,950 | 64,004 | 67,196 |
| 20 years | 74,297 | 81,931 | 90,306 |
| 30 years | 90,568 | 104,878 | 121,363 |
Nominal return is not real return
A more precise real-return formula is (1 + nominal return) / (1 + inflation) − 1. With 5% nominal return and 2% inflation, real return is about 2.94%.
Not every retirement-income source adjusts the same way
Taiwan Labor Insurance pension law contains a CPI adjustment mechanism when cumulative CPI growth reaches ±5%. ETF and mutual-fund distributions do not have a statutory automatic inflation adjustment.
Use multiple inflation scenarios
Rather than projecting one recent CPI reading for decades, test low/base/high inflation assumptions and see how withdrawals and portfolio longevity change.