What is left to live on
What remains to live on once the rent, the subscriptions, the loans and the savings have gone, per month, per person and per day. This figure is for keeping your household's budget. A bank looking at a loan does its own calculation.
Everything is worked out in your browser: nothing is sent, nothing is kept.
How it is worked out
What is left to live on is what remains of the income once the costs nobody chooses each month are paid: housing, energy, insurance, subscriptions, loans. Savings are taken off too, so the figure is what can really be spent.
Per day, the calculation takes an average month of 30.4 days. Banks sometimes have their own definition, which does not always take off the same lines: this figure is yours, not a loan file's.
Going further
Questions
Is it the bank's figure?
No. A bank works out its own to grant a loan, with its own rules and sometimes a minimum per person. This calculator gives what is left for your month, to keep your budget.
What is a good figure?
There is no official threshold. What matters is that it covers groceries, travel and the month's surprises without touching the savings.
Should savings be counted?
Yes if they are automatic: it is money that goes before it is spent. Put 0 if you save what is left at the end of the month.
How to follow it each month?
fleen works out what you have left as the month goes, taking each bill off on its date.