Monthly budget
How much you have left over or are short each month and how you split your income between needs, wants and savings.
Enter your data: no value is filled in for you.
Result
Waiting for your data. Enter your net monthly income.
Calculation version: personal@1.0.0. The calculation runs in your browser: we don't send or store the amounts you enter. We only count, without identifying you, that the tool has been used.
How to use it
- 1Enter your net income for the month.
- 2Note each expense with its amount and classify it as a need, a want or leisure, or savings and investment.
- 3See how much you have left (or are short) and compare your split with the 50/30/20 reference.
How it calculates
- Left over = income − needs − wants − savings set aside.
- Savings rate = (savings set aside + what's left over, if positive) / income.
- The 50/30/20 rule (50% needs, 30% wants, 20% savings) is a widely cited rule of thumb, not a standard.
Verifiable example
With €2,200 of income, €1,250 of needs, €235 of wants and €150 of savings, €565 is left over each month: the savings rate is 32.5% and needs are 56.8% of income.
Limitations
- It doesn't replace real tracking of your spending: use the amounts from your statements.
- Annual expenses (insurance, taxes) are best divided by 12.
- The data never leaves your browser.
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Indicative result
It doesn't constitute financial, tax or investment advice. Check important decisions with a professional.