Calculators · Monthly living costs
Germany budget planner
Start with what reaches your account. Add the bills, everyday spending and saving you plan for, then see what remains.
Left after spending and planned saving
| Allocation | Monthly amount |
|---|
The calculation runs in this page. This widget does not send or save the amounts you enter.
Give the irregular bills a monthly place.
A monthly budget can look comfortable until an annual bill arrives. If you know a yearly cost, divide it by twelve and include the monthly equivalent in the appropriate spending category. Keep that amount separate from an emergency reserve.
Use take-home income as the starting point.
This tool is a cash-flow plan, not a gross-to-net or tax calculator. Enter the income you expect to have available after payroll deductions. Add only bills you still pay from that amount. If an insurance payment has already been deducted from pay, counting it again here would understate what remains.
For help choosing the amounts, use the cost-of-living guide for Germany. It separates rent, utilities, irregular bills and moving costs, with a clearly labelled monthly budget example.
Income
The monthly net amount you enter.
Spending
The seven entered expense categories.
Saving
The amount you plan to set aside separately.
Remainder
Income minus spending minus planned saving.
A negative result is information, not a verdict.
If the total you allocate exceeds income, the result stays negative. Check the entries, whether any bill was counted twice and whether the month includes an unusual cost. The planner does not decide which expense you should cut or whether a household can afford a contract.
The bar represents the amounts entered. When income exceeds allocations, the remainder appears as another segment. When allocations exceed income, the bar scales to the allocations and the shortfall is shown separately. The table supplies the same amounts without relying on colour.
What the model leaves out
Income changes, payment dates, benefits eligibility, taxes, inflation, investment returns, one-off moving costs and changes in debt balances are not calculated. The twelve-month figure simply repeats the entered monthly remainder; it is not a forecast or annual tax calculation.