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Savings & goals

Household budget calculator – monthly money left

Put net household income, everyday costs, debt payments, and a savings target into one clear monthly budget.

Monthly household budget

Enter after-tax amounts and realistic average monthly costs.

Salary, pension, or benefits actually received after tax.

For example allowances, maintenance, or regular side income after tax.

Rent or fee, interest, amortisation, electricity, running costs, and home insurance included here.

Groceries, hygiene, consumables, and everyday household purchases.

Public transport, car, fuel, parking, and other travel.

Insurance, phone, internet, streaming, memberships, and similar costs.

Monthly debt payments not already included under housing.

Clothing, leisure, healthcare, children, and anything not covered above.

The amount you want to set aside each month.

Your budget

The result shows the margin before savings and how it compares with income and costs.

Left after expenses
SEK 6,000

Monthly margin before the voluntary savings goal.

Details

Total income
SEK 35,000
Total expenses
SEK 29,000
Potential savings rate
17.14%

Money left after expenses as a share of income; a negative value means a deficit.

Left over one year
SEK 72,000
Left after savings goal
SEK 3,000

Analysis & guidance

  • Use bank statements

    Three ordinary months are usually better than estimates from memory.

  • Divide annual bills by twelve

    Car service, insurance, and holidays are easier when they receive a monthly provision.

  • Avoid double counting

    If electricity and amortisation are included in housing, do not also list them elsewhere.

Common questions

Should mortgage amortisation count as an expense?

It reduces debt, but cash still leaves the account. Include it in a cash-flow budget under housing or loans, but not in both.

How do I budget irregular costs?

Add a year's insurance, servicing, gifts, and dental costs, divide by twelve, and preferably move that monthly amount to a separate account.

Is this the same as a bank's KALP calculation?

No. This is your personal cash-flow budget. Swedish banks use their own stress rates, standard costs, and lending rules.

How the budget works

Start with money actually received after tax, then deduct recurring housing, food, transport, insurance, subscriptions, debt, and other costs. The result is the margin before your voluntary savings goal.

Your own costs matter

The calculator does not impose standard household amounts. Use bank statements and bills because a family, student, and pensioner have different needs. A bank's Swedish KALP assessment may also use separate assumptions.

Make the plan resilient

Run a normal month and an expensive month with higher electricity, travel, or seasonal spending. If the savings goal works only in the optimistic case, the plan needs more room.

A household budget that works in real life

A useful budget does not need to be a complicated spreadsheet. It should answer three questions: what actually comes in, where the money goes, and what remains after an ordinary month. This calculator follows cash flow—money entering and leaving the account.

Start with net income

Use salary, pension, or benefits actually received after tax. Add regular additional income, but be careful with bonuses, overtime, and temporary payments. A resilient plan should not depend on uncertain money.

Avoid counting a bill twice

Decide what the housing figure includes. If interest, amortisation, electricity, and insurance are there, do not repeat them under loans or other expenses. Amortisation reduces debt, but it still belongs in a cash-flow budget because the payment leaves the account.

Turn annual costs into monthly provisions

Car servicing, dental care, gifts, excess payments, and annual insurance still belong in the plan. Estimate a yearly total, divide by twelve, and ideally transfer that amount to a separate account every month.

Test an expensive month

Run both an ordinary month and a scenario with higher electricity, travel, or seasonal spending. The second result often says more about financial resilience than a perfect average.

This is your personal plan, not a Swedish bank's KALP assessment. Banks may use stress rates, standard costs, and separate lending rules.

How to read this calculator

These results are meant as guidance. They are based on rules, assumptions, and simplified models that can differ from your exact real-world situation.

Estimate, not a legal decision

Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.

Methodology

Each calculator uses defined inputs, assumptions, and logic. We explain the broader approach on the methodology page.

Read methodology

Sources and updates

Important calculators should be traceable back to official rules, public guidance, or other clearly stated references.

Read about sources

Continue calculating

Net salary after tax

Calculate the net salary to enter on the income side.

Includes Swedish state tax, church tax and municipality selection.

Open salary calculator

Sweden electricity cost calculator 2026

Break out electricity for a better housing-cost figure.

See monthly cost and the true all-in price per kWh

Calculate electricity cost

Savings goal & compound interest

See how a sustainable monthly amount can grow toward a savings goal.

Separates your own contributions from pure investment returns.

Open savings calculator

Inflation and Purchasing Power Calculator

Use Inflation and Purchasing Power Calculator to compare the next part of the same scenario.

Turn inflation into amounts you can plan around

Calculate inflation