Planning

Budgets

Income-driven allocation, category targets, and historical progress for October 2026.

Savings detected

Transfers to 'Vault' detected (€1,800.00).

Would you like to initialize this as an Accruing Savings Account to project daily APY/TAE yields and track balance?

Income-driven allocation

Total net monthly income €2,800.00 · Confirmed recurring inflows, net of transfers and internal movements

Shared rent detected

Shared rent detected. Confirm your setup to track net housing cost.

Inmobiliaria Centro · €850.00 master payment · 1 flatmate contribution(s) · tentative net €550.00.

Advisory

Groceries are above the healthy range

Groceries are allocated 12.5% of net income (350.00), above the recommended 10%–12% range.

Advisory

Dining Out & Delivery is above the lifestyle allowance

Dining Out & Delivery spending is at 12.5% of your total budget (350.03), exceeding the recommended 10%–12% lifestyle allowance.

Plan vs actual

Personal EUR

Category percentages are shares of monthly income. Adjust pillar targets and category assignments any time.

Needs

On target

Target 50% €1,400.00 allocated €1,278.33 spent

91%

Wants

On target

Target 30% €840.00 allocated €709.84 spent

84%

Savings & Investment

On target

Target 20% €560.00 allocated €560.00 spent

100%