Budget calculator
How much is left over each month?
Enter your income and spending. The calculator shows what is left at the end of the month, where your money goes and how you compare with the 50/30/20 rule. No sign-up, nothing is stored.
Examples:Single, €2,300Couple, €3,400Family, €4,800Student, €1,100
All amounts in euros.
Monthly income
Monthly spending
Need or want: grouping for the 50/30/20 rule
- Housing
- Groceries
- Transport
- Contracts
- Leisure
- Other
Where your money goes
Your monthly spending by category
- Housing€1,14045%
- Groceries€52021%
- Leisure€26010%
- Transport€24010%
- Contracts€2008%
- Other€1506%
The 50/30/20 rule
This is a rule of thumb, not a target. The line marks the guide value.
Your needs are above 50%. On the other hand, you put aside 26.2%, more than the rule suggests.
Keep an eye on your budget every month
With a free account you save your numbers and see every day how much you have left until the end of the month.
- Import your bank statement as a CSV file
- Budgets per category with a warning before money gets tight
- Contracts and fixed costs detected automatically
- No AI reads your transactions
How it is calculated
- Left over is what remains of your income after spending and savings. A minus means you spend more than comes in.
- All amounts are monthly. Divide anything you pay once a year, such as car insurance, by twelve.
- For the 50/30/20 rule, housing, groceries, transport and contracts count as needs, leisure and other as wants. You can change this per category. Savings means your savings plus what is left at the end of the month.
Assumptions and notes
- The calculator stores nothing. Your numbers are only kept with an account.
- The examples are made-up households, not averages.
- This is a calculation tool, not financial advice.
Frequently asked questions
How much should you save each month?
There is no fixed number. The 50/30/20 rule gives 20% of income as a guide. What matters more is that there is no minus at the end of the month and that you have an emergency fund.
What is the 50/30/20 rule?
A rule of thumb for take-home pay: about half for things you need, 30% for things you want and 20% for saving.
What counts as fixed costs?
Everything debited in the same amount every month: rent, electricity, insurance, phone and subscriptions. In the account, MEQIRI spots them from recurring transactions.