Monthly Budget Calculator

Visualize your income, and split your earnings into common expenses and savings goals to help you make the most out of your money.

Spaces.

How to use the calculator

How to use the monthly budget calculator?

  • Enter estimated amounts into the fields that apply to you or your family.
  • Try rounding up to the nearest euro, but you can also use decimals.
  • Something doesn’t apply to you? No worries, just fill out the fields that are relevant to you.

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Frequently asked question

Are there other methods to help budgeting my income?

Yes, there are some other methods. Among them, the 50/30/20 rule, which is a popular way to calculate how much to allocate for needs, wants and savings.

How can I use these results?

The calculator aims to provide a visualization on how you currently split your budget, and is only meant to be used as a representation of a specific moment of time.

How are the final results computed?

The Monthly Budget Calculator takes the income amounts after taxes as positive flow and subtracts the amount of the rest of the items grouped in different expenses and/or savings buckets. You’ll see a visual representation that allows you to easily identify main areas of spending or savings as a percentage of the total.

Learn more about budgeting

Piggy bank to symbolize budgeting tips (how to save money).

5 smart budgeting tips for first-time savers

Budgeting doesn’t need to be stressful or confusing. These simple budgeting tips show you how you can start saving today.

emergency fund and rainy day fund image with cloud with euro rain drops.

What is an emergency and rainy day fund? Here’s how to set one up

Give yourself some peace of mind by saving for life’s unexpected surprises.

The image shows the new N26 statistics feature divided by expenses and income.

How to budget for household expenses

Developing a household budget takes some work, but it’s always a good idea to dive into your spending habits to see where you could save some cash. Read our tips on budgeting for household expenses.

Find a plan for you

N26 Standard

The free* online bank account

The N26 virtual card.
Virtual Card
€0.00
/month
  • A virtual debit card
  • Free payments worldwide
  • Up to 3 free withdraws
  • Deposit protection
Popular

N26 Smart

The bank account that gives you more control

N26 You card, Rhubarb.
€4.90
/month
  • Free Virtual Card
  • Up to 10 Spaces sub-accounts
  • Shared Spaces
  • Round-ups

N26 You

The debit card for everyday and travel

N26 You card, Petrol.
€9.90
/month
  • Up to 5 free withdrawals in the Eurozone
  • Flight and luggage delay cover
  • Medical emergency cover
  • Winter activities insurance

N26 Metal

The premium account with a metal card

N26 Metal - Charcoal Black.
€16.90
/month
  • An 18-gram metal card
  • Up to 8 free withdrawals in the Eurozone
  • Car rental insurance
  • Phone insurance