Situation A
Money left each month
Same income, different lives
See how rent, location and expenses change the money you have left.
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- 1Situation A
- 2Situation B
- 3Comparison
What changes between A and B
Situation B
Money left each month
Monthly difference: B minus A
A larger balance does not measure wellbeing. Some parts of life have no price.
One budget has expenses above income. A negative balance means a monthly deficit.
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How we calculate: formula, example and sources
Compare like with like
We use individual monthly net income and expenses in euros. Divide annual net income by twelve if you receive extra pay. If you share a home, enter your share of expenses in both profiles.
Money left = net income − housing − other expenses.
Housing (%) = housing ÷ income × 100. Monthly difference = balance B − balance A. With zero income the percentage cannot be calculated; the balance can be negative.
An example you can personalise
Hypothetical example: with €1,800 net income and €450 in other expenses, €900 in housing leaves €450; €600 leaves €750. That is a €300 monthly difference, not a regional average.
What is not included
We do not estimate city rents, taxes, quality of life or future prices. Housing arrangement and location are your context, not statistics. Spread irregular expenses across months for a useful comparison.
Sources and methodologyExplore your finances further
Your monthly money
Income minus expenses. Your actual margin.
Make my budgetYour rent
How much of your income goes on housing.
Calculate my percentageYour salary bracket
Your gross salary in INE deciles.
Check my bracketYour purchasing power
How CPI changes the value of your money.
Compare my purchasing powerYour independence
A budget for your next step.
Build my plan