SwipeSwipeSplit your monthly take-home pay with the 50/30/20 rule — or a split that fits your life — and see what your savings could grow into.
Free · no sign-up · updated October 2026
Saved and invested at ~7% a year, that's about €103,851 after 10 years.
Rent, groceries, bills, transport, insurance
Eating out, hobbies, shopping, subscriptions
Emergency fund, extra debt payments, investing
It splits your take-home pay into three buckets: 50% for needs (rent, food, bills, transport), 30% for wants (eating out, hobbies, subscriptions) and 20% for savings and paying off debt.
Use your net income — what actually lands in your account after taxes and deductions. That's the money you can budget.
That's common in expensive cities. Try 60/20/20 or 70/20/10 for now, protect the savings part first, and look for the one or two biggest fixed costs you could lower over time.
Usually in this order: a starter emergency fund, paying off expensive debt, a full emergency fund of 3–6 months of expenses, then long-term investing such as a broad ETF.
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