A household budget is a financial plan that organises all of a household's income and expenses over a given period, usually monthly. It gives you a clear view of how much money comes in, where it goes, and how much is left over (or missing) at the end of the month. With a well-structured budget, you can identify unnecessary spending, set priorities, and create room to save or invest consistently.
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Example: If your household has €2,500 in income and €1,800 in expenses, the monthly surplus is €700, which represents a savings rate of 28% (€700 ÷ €2,500 × 100).

This calculator lets you add all your monthly income (salary, rental income, allowances, side work) and all your expenses by category (housing, food, transport, leisure, insurance, and others). Based on this data, it automatically calculates your monthly surplus or deficit, your savings rate, and your investment rate. The results are shown in an interactive Sankey diagram that visually maps the flow of your money.

Income is every source of money that comes into your household: salaries, rental income, allowances, pensions, side work, and others. Expenses are all your monthly outgoings, organised into categories such as housing, food, transport, leisure, insurance, and investments. The calculator uses the following formulas to work out your budget indicators:
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Note: The values entered in the calculator are monthly. If you have annual income or expenses (such as a yearly bonus or car insurance), divide them by 12 to get the monthly equivalent. For example, a yearly bonus of €1,200 corresponds to €100 per month.

The savings rate is the percentage of your total income that is not spent on expenses. It is calculated by dividing your monthly surplus (income minus expenses) by total income, multiplied by 100. A healthy savings rate is typically between 10% and 20%, although the ideal depends on your financial goals and personal situation.
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The higher your savings rate, the faster you can build an emergency fund, reach your financial goals, or invest for the future. Monitoring this indicator regularly helps you stay in control of your finances.

Having a well-organised household budget is the first step to taking control of your finances. By knowing exactly where your money goes, you can make more informed decisions, cut unnecessary spending, and create room to save and invest.
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