Resources
Free calculators and rules of thumb for everyday money questions – how much to save, what subscriptions really cost, how to split fairly. No sign-up, and every number stays in the browser.
Pick a goal and see the monthly amount it takes – or the month it's reached. Milestones included.
Tick the subscriptions in use and see the monthly, yearly and ten-year total – plus what cancelling the forgotten ones would save.
Enter two incomes and the shared costs. See who pays what under three fair models – side by side.
Add who paid what on a trip or in a flat-share. It works out the fewest transfers to square up – ready to paste into the group chat.
Set a budget, list the people on the gift list and tick gifts off along the way. See how much to put aside each week until Christmas Eve.
Split an income into categories, check it against 50/30/20 and see what's left to spend each day.
Rules of thumb
Not laws – starting points. Each one is simple enough to remember at the checkout and useful enough to change a habit.
The rule of 72
72 ÷ interest rate ≈ the years it takes money to double.
Money doubles in about
12 years
Over 36 years that's 3 doublings – ×8.
A quick approximation for compound interest. Returns aren't guaranteed, and inflation eats part of them.
50 / 30 / 20
50 % for needs, 30 % for wants, 20 % for saving.
A starting point, not a law. Where rent takes more, trim the wants first – not the saving.
Try itEmergency fund
Three to six months of essential costs, set aside.
Separate from the everyday account, but easy to reach. Even one month takes the panic out of a broken washing machine.
Try itSavings come first
Save on payday – not with whatever is left at the end of the month.
A standing order on the day the salary lands. Money that's already moved never gets spent by accident.
The 30-day list
Wanted, not needed? Write it down and wait 30 days.
Still wanted after a month? Then buy it – guilt-free. Surprisingly often, the wish quietly swims away.
Cost per use
Price ÷ times used = the real cost.
A €40 gym membership used twice a month is €20 a visit. Works for subscriptions, clothes and gadgets alike.
Try itHours, not euros
Divide a price by the net hourly wage.
A €120 jacket might be six hours of work. Seen that way, it's easier to tell what's really worth it.
Guides
