Why only the big items?

Because they determine where you stand. Housing, utilities, internet and groceries together are usually 70-80% of your fixed spending. Refine the rest later — start with the big picture.

What counts as net income?

Everything that actually lands in your account each month: salary after tax, benefits, alimony, steady side income. No gross amounts.

How does the week/month conversion work?

A month is on average 4.1 weeks. Enter a weekly amount and we calculate the month (week × 4.1); enter a monthly amount and we calculate the week.

Net income

Fill in what comes in and your biggest fixed costs.

Currency

Income

Net income per monthWhat actually lands in your account: salary after tax, plus benefits and other fixed income.

EUR

The best thing you can do is open up an extra source of income.

Expenses

Rent / mortgageYour monthly housing cost: rent plus service charges, or your mortgage payment.

EUR

Electricity, internet & gasYour monthly household bills: electricity, gas, water and home internet.

EUR

SubscriptionsEasy to forget📱 Phone plan📺 Netflix, Disney+, HBO🎵 Spotify or Apple Music🎮 Game pass, PlayStation Plus☁️ iCloud, Google One, Dropbox🏋️ Gym or sports club📰 Newspaper or magazine🤖 ChatGPT, Claude, other AI📦 Amazon Prime, delivery clubs💻 Software you pay monthly for

EUR

GroceriesFill in week or month — the other is calculated automatically (month = week × 4.1).

/week

/month

Enter the week and the month is calculated, and vice versa.

Left over each month

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Fill in your income and costs

This is step one

What comes in, what goes out on the big items, and what's left. That's all this is — and it's all you need to know where you stand.

Green? That's the amount you can save, pay off debt with, or invest. Red? Then you now know exactly how much needs to change each month — and the big items above are the first place to look, not the small stuff.

Want the fuller picture, with all your subscriptions and insurance included? Download the free monthly budget sheet.