Remember entries on this device

Income / month

–

Expenses / month

–

Surplus / month

–

Savings rate

–

Analysis by category

Category	Monthly	Yearly	Share	Distribution
Total	–	–	100 %

Purely annual costs

Expenses with the frequency “yearly” – insurance, vehicle tax, holidays. They do not occur every month, but they tear a hole in the budget in the month they fall due. That is why they are shown separately here.

Total of annual items –

Equivalent monthly reserve –

Income

What comes in. With the frequency “yearly”, the annual amount goes into the field; the conversion to a monthly figure happens automatically.

Description	Source	Amount	Frequency	Monthly	Yearly	Note
Total income				–	–

Expenses

Choose a category from the list – the analysis in the dashboard is based on it. Frequency “yearly” again means: enter the annual amount.

Filter:

Description	Category	Amount	Frequency	Monthly	Yearly	Note
Total expenses				–	–

Charts

Everything is calculated from the entries – drawn as SVG, without a charting library.

Expenses by category

Income · Expenses · Surplus

Largest expense items

Year overview

The actual monthly figures. They reveal the outliers that get lost in the monthly average: car insurance in March, the holiday in August, the Christmas bonus in December.

Income Expenses Balance

Item

Investment & financing

For a property or another investment financed with a loan. The instalment, cash flow and returns are calculated from the key figures.

A · Investment

Purchase price / investment amount (€)

Incidental purchase costs (notary, tax, estate agent) (€)

Equity (€)

Financing requirement –

B · Loan

Interest rate p. a. (%)

Define the loan by

Initial repayment p. a. (%)

Monthly instalment (interest + repayment) –

hence: initial repayment –

hence: term (at a fixed rate) –

C · Running account per month

Income, e.g. basic rent (€)

Running costs (management, reserve) (€)

Tax rate on surplus (%)

Operating surplus –

− Loan instalment –

− Tax (simplified) –

Net cash flow / month –

D · Returns

Gross rental yield p. a. –

Net rental yield p. a. –

Return on equity (cash flow) p. a. –

Repayment share / month (wealth building) –

Economic result incl. repayment –

E · Effect on the budget

Household surplus / month (from the dashboard) –

+ Net cash flow of the investment –

Freely available afterwards –

Planning tool, not financial or tax advice. The tax is heavily simplified – with property, interest and depreciation usually reduce the tax burden considerably. This should be worked through with a tax adviser.

Repayment plan

Two scenarios compared: the base instalment only versus the base instalment plus a monthly special repayment and an annual lump-sum repayment. The difference in interest is usually surprisingly large.

Inputs

Loan, interest and instalment come from the Investment tab.

Loan amount (€)

Interest rate p. a. (%)

Monthly instalment, base instalment (€)

Special repayment per month (€)

Lump-sum repayment per year (€)

Month of the lump-sum repayment

Fixed-rate period (years)

Scenario 1 · base instalment only

Term–

Debt-free in–

Total interest –

Scenario 2 · with special repayment

Term–

Debt-free in–

Total interest –

The difference

Interest saved –

Debt-free sooner by –

End of the fixed-rate period

Fixed rate runs until –

repaid by then –

interest paid by then –

Remaining debt · base instalment only –

Remaining debt · with special repayment –

This remaining debt has to be refinanced at the end of the fixed-rate period – at an interest rate nobody knows today. The term above only applies as long as the interest rate stays the same.

Remaining debt over time

Scenario 1 – base instalment only Scenario 2 – with special repayment

Interest and repayment per year · base instalment only

At first, almost the entire instalment goes on interest. Each year, more of it shifts to repayment – which is why the debt falls ever faster later on.

Interest share Repayment share

Plan in detail

No.	Month	S1 remaining	S1 interest	S1 repayment	S2 remaining	S2 interest	S2 repayment	S2 special

Household budget & investment calculator