Understanding the calculation
Guide mode multiplies net income by each share. Actual mode totals your needs, wants and savings rows; use your own names and classifications. A positive category difference means it exceeds its allocation target. A positive savings-goal difference means savings exceed that goal. Unallocated cash also subtracts savings, while the pre-savings balance subtracts only the two spending groups. Neither balance proves that money was actually saved.
Category target = income × percentage / 100. Unallocated = income − needs − wants − savings. Savings rate = savings / income × 100.
Worked example
Fictional EUR example: income 2,500; 50/30/20 targets are 1,250, 750 and 500. With needs 1,300, wants 600 and savings 400, unallocated cash is 200. Savings are 16% of income and 100 below the goal of 500. Needs exceed their allocation by 50.
Assumptions and limits
Adapt the allocation to income, housing and personal circumstances. Use a representative month; irregular income and annual costs need consistent provisioning. No bank transactions are imported, taxes are not calculated and purchases are not judged. Enter all amounts in the selected currency.
Questions about this tool
Does leftover cash automatically count as savings?
No. Only amounts assigned to savings count as savings. Unallocated cash is shown separately; with zero income percentages are not applicable.