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Budgeting
Monthly Cash Flow
Enter your real income and expenses to see your actual monthly surplus or shortfall — not a plan, but a snapshot.
Income
Net monthly salary (after tax)
€
Freelance / side income
€
Rental income
€
Other income
€
Fixed Expenses
Rent / Mortgage
€
Utilities
€
Insurance
€
Subscriptions
€
Loan payments
€
Childcare
€
Phone / Internet
€
Variable Expenses
Groceries
€
Transportation
€
Dining & takeout
€
Entertainment
€
Personal care
€
Clothing
€
Healthcare
€
Other variable
€
Savings & Investments
Pension / Retirement
€
Emergency fund
€
Investments
€
Monthly Cash Flow
+€1,120
surplus — unallocated money at month end
Income
€3,000
Expenses
€1,880
Savings rate
7%
Where your income goes
Fixed 38%Variable 18%Savings 7%Surplus 37%
Summary
| Total income | €3,000 |
| Fixed expenses | −€1,150 |
| Variable expenses | −€530 |
| Savings & investments | −€200 |
| Monthly surplus | +€1,120 |