Monthly Budget Calculator
Most people know roughly what they earn and only roughly what they spend. This calculator closes that gap: enter your monthly income and eight spending categories, and see exactly what is left, what share each category takes and how much of your pay you are keeping.
What should I do next?
Based on the numbers you entered. Everything is worked out in your browser — nothing you type is sent anywhere.
You keep about 660,00 € a month
That is a savings rate of 17%. Saving half of it would build roughly 990,00 € in 3 months, 1.980,00 € in 6 months and 3.960,00 € in a year.
Reaching a 20% savings rate
A common guideline is keeping 20% of take-home pay, which for you is 800,00 € a month — about 140,00 € more than you keep today.
Essentials take 72% of your income
Housing, utilities, food, transport, insurance and debt come to 2.870,00 €. When essentials run high, the room to adjust is usually in the largest one or two lines rather than the small ones.
Money left over vs a 20% savings target
- Left over each month
- 660,00 €
- 20% of take-home pay
- 800,00 €
- Short by
- 140,00 €
A widely used guideline, not a rule that fits everyone.
Try a safer scenario
These are hypothetical comparisons. Your own numbers above do not change.
Thinking about a specific purchase with what is left over? Try the Can I Afford It Calculator →
These are educational estimates based on common rules of thumb, not individual financial advice.
Budget results are estimates based on the figures you enter. They do not include tax changes, irregular income or interest, and they are not financial advice.
How this calculation works
- Total spending = the sum of all eight categories you enter.
- Left over = take-home income − total spending. A negative figure means the shortfall is coming from savings or credit.
- Savings rate = leftover ÷ income, shown as a percentage.
- Essentials vs lifestyle groups housing, utilities, food, transport, debt and insurance as essentials, and subscriptions plus other spending as lifestyle.
The bar chart ranks categories from largest to smallest as a share of income, which is usually the fastest way to spot where a budget is out of balance.
Worked example
Daniel brings home $4,000. His rent is $1,300, utilities $220, groceries $520, transport $300, debt payments $350, insurance $180, subscriptions $70 and other spending $400 — a total of $3,340.
That leaves $660 a month, a savings rate of 16.5%. Housing takes 32.5% of his pay, which is within the commonly quoted 30–35% comfort zone, while his $470 of subscriptions and other spending is the easiest place to find another $150 and push his savings rate past 20%.