Budget and emergency reserve

How much can I safely set aside each month?

Start with take-home household income. Count each expense once. Your reserve target is a choice based on your household, not a universal rule.

Your result

€600Monthly amount left for longer-term goals

Monthly spending including annual bills: €2,600
Monthly surplus before reserve saving: €900
Your emergency reserve target: €6,600
Missing reserve: €3,600
Monthly reserve contribution: €300
Monthly amount left for longer-term goals: €600

The proposed reserve contribution can be smaller than needed when your surplus is low. Keep emergency money accessible and separate from investments.

Transfer preview: only the monthly amount left for longer-term goals is entered as monthly saving in a new Full Simulator plan. Your reserve stays outside the investment portfolio.

Continue in the Full Simulator

Could public support help your household?

Check eligibility with the responsible authority. Benefits can interact; an online estimate is not an approval or a completed application.