// learn · Data & tools
Budget & savings rate calculator
Enter monthly income and expenses. Everything else, savings rate, the 50/30/20 split, emergency-fund runway, is computed live in your browser. Nothing is sent anywhere.
Left unassigned: €400
Savings rate: 16.7%
The 50/30/20 rule
A simple starting split: 50% of after-tax income to needs, 30% to wants, 20% to savings and debt payoff. It's a default, not a law, adjust it to your real fixed costs and goals, the calculator above just shows you where you stand against it.
Emergency fund runway
A common target is 3 to 6 months of essential expenses (your "needs" figure above) held in cash before investing aggressively. At the needs number entered above, that's the emergency fund size worth building first, before chasing yield anywhere else.
Educational tool, not financial advice. Your real budget depends on your situation, use this as a starting point, not a rule.