Budget & savings
How much money do you have left at the end of the month?
Enter your net salary and main expenses. See what is left, why, and the highest-impact cuts — €, CHF, $ or £.
Quick answer
End-of-month leftover is net income minus the expenses you actually pay: rent or mortgage, insurance, transport, subscriptions, food, leisure and the rest. Example: $3,000 net − ,200 rent − $200 insurance − 20 transport − $45 subscriptions − $450 food − $250 leisure − 00 other = $635 left (about 21% of income). The calculator shows green or red, which line weighs most, and the highest-impact moves — not a lecture.
🙂 In the green · Left at month end
635 $
- Total expenses
- 2,365 $
- Expenses vs income
- 79%
- Room to spend (fun / extras)
- 635 $
- Heaviest cost
- Rent or mortgage (40%)
Why this number
- Rent or mortgage1,200 $40% of income
- Food & groceries450 $15% of income
- Leisure & going out250 $8% of income
- Insurance / health200 $7% of income
- Transport120 $4% of income
- Other expenses100 $3% of income
- Subscriptions45 $2% of income
What you can do
- You have 635 $ left: automate saving at least half before leisure spending.
- Suggested extra fun budget this month: 635 $ (on top of leisure you already entered).
- Subscriptions are 45 $: a yearly audit often frees 1–2 unused ones.
- Housing dominates the budget: your margin hangs on food and variable spending.
Estimates only — use net pay after tax. This is a planning tool, not financial advice.
How it works
A useful rule of thumb is to keep total spending under ~90% of net pay so at least 10% can become a buffer or savings. Housing often eats 30–40% alone; if that line dominates, the only flexible levers left are food, leisure and subscriptions. Pair this tool with the weekly grocery budget calculator when food is the swing factor, or with a savings-goal calculator once you know a realistic monthly surplus.
Frequently asked questions
Should I use net or gross salary?+
Always net — what lands in your account after tax and mandatory deductions. Gross makes the leftover look healthier than it is and hides the real squeeze.
What share of income should be left at month end?+
A practical target is at least 10% of net for buffer or saving; 20%+ is comfortable for many households. Below 5% you are one bill away from red. The calculator flags green/red at zero, then suggests aiming for ~10% when you are only barely positive.
What if rent alone eats most of my paycheck?+
Then food, leisure and subscriptions are the only short-term levers — the tool ranks them by euro impact. Medium-term options are a roommate, a cheaper area, or more income; the calculator will not pretend a €50 subscription cut fixes a housing problem.
Is this financial advice?+
No. It is arithmetic on the numbers you enter, plus generic prioritisation tips. For debt, taxes or investments, talk to a qualified professional in your country.
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