How to use our Budget Planner
Five quick steps to go from gross salary to a real, honest monthly budget โ with take-home pay calculated against your country's actual tax rules.
- Step 01
Pick your country
Choose from 100+ countries. The planner pulls the official tax brackets and a cost-of-living baseline so the placeholders make sense for where you live.
- Step 02
Enter your monthly gross income
Type your gross monthly salary in local currency. We instantly calculate income tax and social contributions and show your real net pay.
- Step 03
Edit every expense line
Rent, food, transport, insurance, subscriptions, debt repayments, savings, miscellaneous โ tune any line to match your real life. Add to the Other / Miscellaneous lines for anything that doesn't fit.
- Step 04
Read your dashboard
See Net after tax, Total expenses, Leftover per month, and Savings rate at a glance. Negative leftover is highlighted in red โ positive in green.
- Step 05
Hit a 20% savings target
We back-solve the gross salary you'd need to save 20% of your net pay with your current expenses โ handy for raise conversations and job offers.
What you'll see
A live preview of the planner's summary cards โ your numbers, updated as you type.
Ready to plan your budget?
Jump into the planner โ it takes about two minutes.