You hear the statement that a fixed debt becomes easier because prices are rising. For your personal ability to pay, this statement is not sufficient. The bank instalment is paid from the money actually available to you, while other expenses also need to be covered. This personal calculation does not assert any current inflation rate or any future wage development.
Record the quantities individually
Note the unchanged monthly instalment, actual net income and other necessary expenses. A real consideration with a price measure answers a different question than the nominal coverage of your account. When you use such terms, it must always be clear which quantity is being divided by which measure.
For the everyday question posed here, calculations are first made only in nominal euro: what money comes in and which payments go out? A general purchasing-power comparison does not replace this cash-flow calculation.
A deliberately fictitious price example
The household is assumed to receive 3.000 euro monthly. Its fixed instalment is 1.000 euro and the other recorded expenses are 1.700 euro. That leaves 300 euro.
In the next assumed state the amount of these other expenses rises to 1.870 euro, while income and instalment remain unchanged. The remainder falls to 130 euro. The instalment is still the same, but the financial leeway is 170 euro smaller. No claim is needed that a particular macroeconomic inflation rate exactly reflects this household's expenses for this statement.
Treat income increases as a separate assumption
Only an actually higher disposable income changes the incoming side. An expected salary adjustment must be planned with its own amount and timing, not automatically in the same proportion as a price index. That some prices have risen does not yet confirm any concrete income commitment.
Similarly, a variable loan instalment remains a separate quantity. If it is to be changed in the scenario, a separately disclosed value is used for that. A fixed instalment must not be carried forward unnoticed as an assumption for the entire financing when only part of it is actually fixed.
The useful concluding question
For your payment plan the question is: how much actually remains under the changed personal income and expenses? In addition, a professional analysis of purchasing power, debt and assets can be useful. It is explicitly separate.
This way you can put a general economic statement into context without deriving from it a personal relief that does not actually occur in your own month. A numerically falling real reference value is not an automatic additional transfer to your account.