Personal Europe Budget Planner
Build a complete monthly budget plan for Europe. Enter all income sources and expense categories to see total costs, money left, savings rate, housing pressure and budget status.
Estimate only
This planner uses the values you enter. It does not apply official tax rates, official utility prices, or official cost-of-living data. Enter your own current or expected numbers.
Monthly budget
Enter net income and all monthly costs. Empty fields are treated as zero.
Budget result
Fill in the form and press calculate to see your budget summary.
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OpenFrequently asked questions
Should I use gross or net income?
Use net income after tax and payroll deductions. That is the money you actually receive and can plan with.
What is a good savings rate?
Many personal finance guides suggest 10–20% of net income. Even 5% is better than zero. A higher rate builds financial resilience faster.
How much income should rent take?
A common guideline is 30–35% of net income for rent. Including utilities, many guides suggest keeping total housing below 40%.
Should I include yearly expenses?
Convert yearly costs to a monthly amount (divide by 12) and add them to the relevant category. Examples: annual insurance, car service, or holiday savings.
Can I use this before moving country?
Yes. Enter the expected income and costs for your destination to estimate whether the budget will work.
Disclaimer
Estimate only. This budget planner uses the values you enter. Results depend on personal costs, income, and local rules. Not financial or tax advice.