€3,153.65
€2,646.35 of €5,800.00 income
Fixed costs
€2,246.35
Variable (month)
€23.80
Savings
€400.00
6.9% Savings rate
You: €220.68 · 6.9%
Together, transfer €58.37 per month to your reserve accounts – that covers all yearly and quarterly bills. Fully personal items go to the personal account, shared ones to the joint account:
- Rücklagenkonto€58.37mo.
Who transfers how much is shown below under “Monthly transfers per account”.
One-time initial funding recommended: €360.00
Per person: Nicola €180.03 · Rico €179.97
How is this calculated?
The reserve starts at €0 and only grows by the monthly rate. These payments are due before enough has been saved up:
May
Saved (1 × €58.37)+€58.37GEZ−€55.11Running balance+€3.26July
Saved (2 × €58.37)+€116.74KFZ-Versicherung−€480.00Running balance−€360.00
Lowest point in July: €360.00 in the red — that is exactly the gap the initial funding closes.
This is how much each person should transfer to the respective account every month so that all payments are covered. Tap an account to see the items behind it:
€1,634.99mo.
- Nicola€895.05
- Rico€739.94
To split all of May's costs fairly:
- Rico pays Nicola€180.41
How is this calculated?
- Nicola+€180.41
paid €412.99 · share per split €232.58
- Rico-€180.41
paid €23.80 · share per split €204.21
Included items (payer · amount)
- Sparrate ETF · Nicola€400.00
- Netflix · Nicola€12.99
- Apotheke · Rico€23.80
- GEZ on the 15.−€55.11