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Can you afford it?
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Affordability calculator
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What should I do next?
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What makes this tight
Paying 2.500,00 € from 9.000,00 € of savings leaves about 6.500,00 € — roughly 3 months of essential spending, rather than the three months this calculator treats as a comfortable buffer.
A stronger buffer would need about 1.150,00 €
That is the extra saving that would let you buy at this price and still keep three months of essentials (7.650,00 €) in the bank.
A more conservative price
Around 1.350,00 € would keep both your buffer and half of your savings intact — about 1.150,00 € below what you are looking at.
Waiting a few months
Saving half of your 1.650,00 € monthly disposable income would close that gap in 1 month.
Savings after buying vs a three-month buffer
- Savings left after buying
- 6.500,00 €
- Suggested buffer
- 7.650,00 €
- Short by
- 1.150,00 €
Three months of your essential spending and debt payments.
Try a safer scenario
These are hypothetical comparisons. Your own numbers above do not change.
Want to see where your money is going each month? Try the Monthly Budget Calculator →
These are educational estimates based on common rules of thumb, not individual financial advice.
This calculator is an educational estimate only. It does not account for tax, inflation, credit terms or your personal circumstances, and it is not financial advice. Speak to a qualified adviser before making a large financial commitment.
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How it works
- 1
Enter your monthly numbers
Take-home income, essential expenses and any debt repayments you already have.
- 2
Add savings and the price
Tell us what you have set aside and what the purchase actually costs, including tax.
- 3
Read the verdict
See your disposable income, safe spending limit and what would be left afterwards.
Helpful financial guidance
Affordable is not the same as possible
Most purchases are technically possible — you can put almost anything on a card or finance it over three years. Affordability is a different question: can you pay for it and still handle a broken boiler, a vet bill or a month of reduced hours? That is why every calculator here looks at what is left afterwards, not just whether the money exists today.
Keep an emergency buffer
A widely used rule of thumb is to keep three to six months of essential spending in easy-access savings. Our affordability tool treats three months as the floor: a purchase that dips into that buffer is flagged as tight or risky, even when your account balance would technically cover it.
Watch the monthly commitments
One-off purchases are easy to recover from. Monthly commitments — subscriptions, finance agreements, insurance on a bigger car — quietly reduce the disposable income you will have for years. Before signing up to anything recurring, add the payment to your budget calculator and see what your leftover becomes.
Give yourself a waiting period
For anything above about a week of income, a short cooling-off period costs nothing and removes most impulse regret. Run the numbers, save the result, and come back in a few days. If the answer still looks comfortable, it probably is.