€3,153.65
€2,646.35 of €5,800.00 income
€1,414.92 of €3,200.00 income
€1,231.43 of €2,600.00 income
Fixed costs
€2,246.35
Variable (month)
€0.00
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: €61.63
Calculated as the balance at the end of September. The monthly rate for October (€58.37) comes on top if it hasn't been paid in yet.
- Rücklagenkonto€61.63
- Nicola€30.82
- Rico€30.81
Total per person: Nicola €30.82 · Rico €30.81
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:
November
Saved (2 × €58.37)+€116.74GEZ−€55.11Running balance+€61.63February
Saved (3 × €58.37)+€175.11GEZ−€55.11Running balance+€181.63May
Saved (3 × €58.37)+€175.11GEZ−€55.11Running balance+€301.63July
Saved (2 × €58.37)+€116.74KFZ-Versicherung−€480.00Running balance−€61.63
Lowest point in July: €61.63 in the red — that is exactly the gap the initial funding closes.
Set up standing orders
These are your monthly transfers. Set them up as standing orders and confirm them – Evensum will then tell you whenever you need to adjust them.
Set up Rico's standing orders
Rico doesn't sign in to Evensum – as the owner, you confirm on their behalf.
These are Rico's monthly transfers. Enter what is set up as a standing order and confirm.
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 October's costs fairly:
- Rico pays Nicola€192.31
How is this calculated?
- Nicola+€192.31
paid €412.99 · share per split €220.68
- Rico-€192.31
paid €0.00 · share per split €192.31
Included items (payer · amount)
- Sparrate ETF · Nicola€400.00
- Netflix · Nicola€12.99
No yearly or quarterly payments this month.