Triumvir

Public tool · no account required

Monthly budget calculator

Before deciding what to save or spend, lay out income and expenses for the same month. This tool estimates margin and makes incomplete categories visible.

Prefilled fictional example: replace these amounts with your assumptions.

Calculated locally in this browser. No amount is saved to your account or included in the continuation link.

Conditional result

Estimated monthly margin

€350.00

Entered income exceeds planned expenses. This difference is not permission to spend.

Total planned expenses : €2,500.00

Method and assumptions

Margin = net income − commitments − planned variable expenses for the same month. Commitments may include rent, subscriptions and loan payments. Do not count the same category twice. Variable expenses may include food, transport and leisure. EUR amounts are kept in integer cents, with a €100,000 limit per field; inputs accept no more than two decimals.

No bank balance, payment calendar, overdraft, returns or financial advice. Annual expenses are included only when you enter a monthly share. Transfers between your own accounts remain liquid assets; do not treat them as consumption expenses.

Fictional example: €2,850 income, €2,000 commitments and €500 variable expenses give €350 estimated margin. A missing category makes that margin partial.

For a reading with your dates and commitments, start manual Trajectory setup. Amounts from this tool are not transferred.

Start with Trajectory