CompareFinance

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Advanced Budget & Cashflow Planner

Track income, expenses, savings & investing - for real monthly clarity

Add your salary, side income, bills, rent, utilities, savings and investments. This tool converts everything to a monthly view and shows your true cashflow.

Auto monthly normalizationNeeds / Wants / Save & InvestCategory insightsExport / Import JSONGoals / sinking funds
Month & Settings
Month (YYYY-MM)
Currency
Emergency fund target
Paycheck day (1-31)
Wants target %
Save+Invest target %
Back
Monthly Snapshot
Healthy
Income€ 2.600,00
Expenses€ 1.525,00
Savings + Investing€ 350,00
Goals (sinking funds)€ 150,00
Debt payments€ 0,00
Free cashflow (leftover)
€ 575,00
Formula: Income -' Expenses -' Savings/Invest -' Goals -' Debt payments
Budget Ratios
Needs
47.9% of income
€ 1.245,00
48%
Wants
10.8% of income
€ 280,00
11%
Save + Invest (+Goals)
19.2% of income
€ 500,00
19%
Wants target: 30% Current: 10.8%Save+Invest target: 20% Current: 19.2%
Insights & Alerts
Cashflow is positive
You have money left after expenses, allocations, goals, and debt payments. Consider adding it to emergency savings or investing.
good
Savings/Investing below target
Youre saving/investing/goals ~19.2% of income. Your target is 20%.
info
Emergency fund projection
At your current savings pace, reaching € 3.000,00 may take ~20 months.
info
Goals snapshot
Your closest goal is Emergency fund (goal) (~16 months at € 150,00/mo). Remaining across all goals: € 2.400,00.
info
Top spending categories
Your biggest monthly categories are: Housing (€ 950,00), Groceries (€ 280,00), Transport (€ 110,00).
info

Goals & sinking funds

Track targets (new PC, trip, emergency fund, taxes, insurance yearly): saved, remaining, and monthly contribution.

Goals summary
1 goals
Total remaining€ 2.400,00
Monthly contributions (included)€ 150,00
Tip: enable Include to subtract the monthly contribution from cashflow automatically.
Goal name
Target
Saved
Monthly contrib.
Due month (optional)
20% fundedRemaining: € 2.400,00ETA: 16 mo
Saved: € 600,00 / € 3.000,00

Expenses by category (monthly)

This helps you spot where your money is going. Everything is converted to a monthly amount.

Housing
36.5% of income
€ 950,00
Share of expenses: 62.3%
Groceries
10.8% of income
€ 280,00
Share of expenses: 18.4%
Transport
4.2% of income
€ 110,00
Share of expenses: 7.2%
Utilities
2.7% of income
€ 70,00
Share of expenses: 4.6%
Gas
1.7% of income
€ 45,00
Share of expenses: 3.0%
Internet
1.7% of income
€ 45,00
Share of expenses: 3.0%
Water
1.0% of income
€ 25,00
Share of expenses: 1.6%

Income streams

Salary, side income, dividends, freelance (converted to monthly).

Name
Amount
Frequency
monthly
Monthly value: € 2.400,00
Name
Amount
Frequency
monthly
Monthly value: € 200,00

Expenses

Rent, bills, food, subscriptions (converted to monthly).

Name
Amount
Frequency
Category
Monthly value: € 950,00
monthly
Name
Amount
Frequency
Category
Monthly value: € 70,00
monthly
Name
Amount
Frequency
Category
Monthly value: € 45,00
monthly
Name
Amount
Frequency
Category
Monthly value: € 25,00
monthly
Name
Amount
Frequency
Category
Monthly value: € 280,00
monthly
Name
Amount
Frequency
Category
Monthly value: € 45,00
monthly
Name
Amount
Frequency
Category
Monthly value: € 110,00
monthly

Savings & Investing allocations

This is money you intentionally move: savings, broker deposits, etc.

Name
Monthly amount
Type
savings
Monthly allocation: € 150,00
Name
Monthly amount
Type
investments
Monthly allocation: € 200,00

Debts (optional)

Track monthly payments (loans / credit). Balances help you see total obligations.

Name
Balance
APR %
Monthly payment
12.5% APR
Monthly payment: € 80,00 Balance: € 1.200,00

Monthly summary

Your leftover is what you can freely keep, invest more, or use for goals. If its negative, you need to adjust either expenses or allocations/goals.

Income: € 2.600,00Expenses: € 1.525,00Save+Invest: € 350,00Goals: € 150,00Debt: € 0,00
Overall leftover
€ 575,00
Recommended next action:
Increase savings/investing or fund goals using your surplus.
Data is saved in your browser (localStorage). Export JSON anytime as a backup.

Yearly summary

Your yearly leftover is what you can keep, invest more, or use for goals. If its negative, you need to adjust expenses or allocations/goals.

Income: € 31.200,00Expenses: € 18.300,00Save+Invest: € 4.200,00Goals: € 1.800,00Debt: € 0,00
Overall yearly leftover
€ 6.900,00
Recommended next action:
Increase savings/investing or fund goals using your yearly surplus.
Data is saved in your browser (localStorage). Export JSON anytime as a backup.
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