Budget Calculator
Plan your monthly budget using the 50-30-20 rule or custom categories. Online calculator with current 2026 market rates and clear breakdown.
Recommendation: 30-40% of net income
Max. Monthly Payment
€1,120.00
Max. Loan Amount
€184,824.48
Free Available
€1,400.00
Scenarios at 4.0 % interest, 20 years
| Debt Ratio | Max. Payment | Max. Loan | Status |
|---|---|---|---|
| 25 % | €800.00 | €132,017.49 | Realistic |
| 30 % | €960.00 | €158,420.98 | Realistic |
| 35 % | €1,120.00 | €184,824.48 | Realistic |
| 40 % | €1,280.00 | €211,227.98 | Realistic |
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
Frequently Asked Questions
What is the 50-30-20 budget rule?
The 50-30-20 rule allocates 50% of net income to needs (rent, food, insurance), 30% to wants (hobbies, dining, entertainment), and 20% to savings and debt repayment.
How much emergency fund should I have?
Financial experts recommend 3-6 months of net expenses as an emergency fund. Self-employed individuals should aim for 6-12 months. Keep it in a liquid, safe account like a call money account.
Are my entered amounts stored anywhere?
No. All calculations happen exclusively in your browser. Your inputs are never sent to our server or stored. You can safely enter sensitive financial data.
Guide
Quick Answer
The budget calculator allocates your available income by the 50-30-20 rule or custom categories into needs, wants and savings.
What is the Budget Calculator?
The budget calculator allocates your available income by the 50-30-20 rule or custom categories into needs, wants and savings.
How does the Budget Calculator work?
Enter your net income. The calculator splits it by the 50-30-20 method: 50% for essentials, 30% for personal wants, 20% for saving and debt repayment. Categories can be customised.
Key Data and Facts
50-30-20 rule: 50% essentials (rent, food), 30% wants (leisure, shopping), 20% saving/investing. Average German savings rate 2024: approx. 11%.
Step-by-Step Guide
How to create your budget according to the 50-30-20 rule step by step: 1. Determine your net income: your monthly income after deduction of all taxes and social security contributions. 2. 50 % for basic needs (Needs): rent, utilities, groceries, insurance, mobility, minimum loan installments. If this share is above 50 %, check for savings potential. 3. 30 % for wishes (Wants): leisure, restaurants, holidays, shopping, streaming, hobbies. A flexible area with the greatest savings potential. 4. 20 % for saving and debt (Savings): build up an emergency fund (3-6 monthly salaries), retirement provision, an ETF savings plan, additional debt repayment. 5. Adjust the budget: the percentages can be individually adjusted (e.g. 60-20-20 with high housing costs). Example: net income 2,800 EUR/month. Basic needs (50 %): 1,400 EUR (rent 850, groceries 350, insurance 100, electricity/internet 100). Wishes (30 %): 840 EUR. Saving (20 %): 560 EUR (e.g. 300 EUR ETF savings plan + 260 EUR emergency fund).
Calculation Example
Nettoeinkommen 2.800 EUR. Grundbeduerfnisse (50 %): 1.400 EUR. Wuensche (30 %): 840 EUR. Sparen/Investieren (20 %): 560 EUR.
Sources · E-E-A-T
Official sources
Calculations are based on applicable German laws and official data:
- Deutsche Bundesbank
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Statistisches Bundesamt (Destatis)
Full methodology at Methodology.
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