Budget Calculator
Plan a monthly budget from net income, needs, wants and financial goals, with an optional detailed frequency-based breakdown.
Plan your monthly net income, spending and financial goals.
Your budget data stays on this device.
Budget result
Not yet allocated
€300.00
€3,600.00 per year
- Monthly net income
- €3,000.00
- Planned use of income
- €2,700.00
- Needs
- €1,500.00 · 50.0 %
- Wants
- €750.00 · 25.0 %
- Saving & extra debt payments
- €450.00 · 15.0 %
Show budget details
| Item | Month | Year |
|---|---|---|
| Monthly net income | €3,000.00 | €36,000.00 |
| Needs | €1,500.00 | €18,000.00 |
| Wants | €750.00 | €9,000.00 |
| Saving & extra debt payments | €450.00 | €5,400.00 |
| Planned use of income | €2,700.00 | €32,400.00 |
Calculation method: Non-monthly values are normalized exactly on an annual basis and then shown as an average monthly equivalent. Monthly values may be adjusted by minor currency units so visible totals remain consistent.
Good to know
Good to know
The Budget Calculator supports model calculations for income, expenses, savings rate, budget gaps, and monthly planning. Enter income, fixed costs, variable expenses, savings goals, and categories and review available budget, savings rate, expense shares, and signals for stretched categories, so assumptions, magnitudes, and alternatives are easier to compare.
Typical searches include budget calculator, household budget, savings rate, monthly budget planner. Calculation runs locally in the browser and shows results, intermediate steps, and key figures without upload. Irregular expenses and yearly costs should be converted into monthly amounts.
Typical use cases
Compare scenarios
Change amount, term, interest rate, payment, or target value and immediately see how the key figures change.
Document assumptions
The core logic is: available budget = income minus expenses minus planned savings. Visible inputs, results, and intermediate steps help explain the model calculation in notes, spreadsheets, or conversations.
Prepare decisions
Use the values as orientation for questions to lenders, tax advisors, employers, providers, or internal planning. The tool does not replace individual advice.
Tips for better results
Separate nominal and real values
Inflation, fees, taxes, and purchasing power can materially change the result. Check whether you are comparing nominal amounts or values in today's purchasing power.
Check contract details separately
Lender offers, credit cards, insurance, taxes, and investment products often use their own rounding, fee, and calendar rules. Binding decisions require the original documents.
Test sensitivity
Run conservative, middle, and optimistic variants. Small changes in rate, term, inflation, or payment can create large differences in financial calculations.
How it works
How it works
Step by step
Features
Features
Local in the browser
Inputs and results are not uploaded for calculation.
Flexible assumptions
Adjust income, fixed costs, variable expenses, savings goals, and categories and compare variants immediately.
Traceable calculation path
Formulas, intermediate steps, and key figures make the model calculation easier to review.
No financial advice
The result is a model calculation, not a recommendation for credit, investing, tax, or contracts.
Frequently asked questions
Frequently asked questions
Is the Budget Calculator financial advice?
No. The tool creates a calculation model based on your inputs. It does not account for your individual situation, a full contract, or personal tax position.
Why can a provider calculate different numbers?
Providers may include fees, day-count rules, rounding, special terms, taxes, bonuses, or contract details that are not part of a general browser calculation.
Are my financial values stored?
No. Calculation runs in the browser. Entered values are not transferred to Xoricon for the calculation.
Why do rounding and currency matter?
Small rounding differences can add up over many months or periods. The currency selection controls only symbol and number format; all compared amounts should already be in the same currency.
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