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.
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.
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
So erstellen Sie Ihr Budget nach der 50-30-20-Regel step by step: 1. Nettoeinkommen determine: Ihr monatliches income nach Abzug aller taxes und Sozialabgaben. 2. 50 % fuer Grundbeduerfnisse (Needs): Miete, Nebenkosten, Lebensmittel, Versicherungen, Mobilität, Mindest-Kreditraten. Wenn dieser share ueber 50 % liegt, pruefen Sie Einsparpotenziale. 3. 30 % fuer Wuensche (Wants): Freizeit, Restaurants, Urlaub, Shopping, Streaming, Hobbys. Flexibler Bereich mit dem groessten Einsparpotenzial. 4. 20 % fuer Sparen und Schulden (Savings): Notgroschen aufbauen (3-6 Monatsgehälter), Altersvorsorge, ETF-Sparplan, zusaetzliche Schuldentilgung. 5. Budget anpassen: Die Prozentsaetze koennen individuell angepasst werden (z. B. 60-20-20 bei hohen Wohnkosten). Beispiel: Nettoeinkommen 2.800 EUR/month. Grundbeduerfnisse (50 %): 1.400 EUR (Miete 850, Lebensmittel 350, Versicherungen 100, Strom/Internet 100). Wuensche (30 %): 840 EUR. Sparen (20 %): 560 EUR (z. B. 300 EUR ETF-Sparplan + 260 EUR Notgroschen).
Calculation Example
Nettoeinkommen 2.800 EUR. Grundbeduerfnisse (50 %): 1.400 EUR. Wuensche (30 %): 840 EUR. Sparen/Investieren (20 %): 560 EUR.
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