Build your monthly cost.

1. Housing: use the written rent and recurring property charges for the actual stay. Compare alternative offers in the housing calculator.
2. Included bills: check utilities, internet and service charges already included in rent. Exclude duplicates.
3. Food and transport: use your actual pattern. A weekly amount becomes a monthly average using 52 ÷ 12, not four.
4. Annual and irregular costs: include known renewals, trips or replacements in the annual line. The divided allowance helps compare monthly cost; the full bill still needs a date.
5. Income: use the amount available after deductions, in the same planning currency. Keep uncertain future work separate from confirmed payments.

Use Evidence notes to record a source, date checked and uncertainty. The notes are optional and local. They are included in your downloaded report but are not carried into another tool.

Fictional EUR inputs: rent 900; food 300; utilities and internet 100; transport 80; health cover 70; other recurring costs 150; annual irregular costs 1,200. Recurring lines total 1,600. The annual allowance adds 100 per month, making 1,700 per month and 20,400 per year.

At a take-home income of 2,100, the monthly surplus is 400. A 15% higher-cost scenario is 1,700 × 1.15 = 1,955, leaving 145 against the same income. The percentage raises all recurring categories; it is a sensitivity scenario, not an inflation or city-price forecast.

Increase only rent by 200 and the base monthly cost becomes 1,900. The base surplus drops to 200. This specific change is different from raising every category by a percentage.

An annual 1,200 payment divided by 12 is a 100 monthly allowance. If the full 1,200 is due before your first payday, saving 100 for one month does not fund it. In the dated calendar, enter the actual 1,200 payment and remove the corresponding allowance from any aggregate monthly payment. Do not count both.

The complete moving-budget case study shows how a positive monthly surplus can coexist with a shortfall. Once your costs are entered, use the carry button to continue to the moving budget.