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Interactive Practice

Apply what you've learned by building a real budget and planning for your goals.

Personal Cashflow Builder

2. Your Monthly Needs (Essentials)

3. Your Monthly Wants (Lifestyle)

Your Budget Breakdown

Your Allocation

50/30/20 Ideal

Next months cashflow

Selected: 6 months

Loans (optional)

Payment is calculated as a constant monthly amount (principal+interest), like standard bank amortization. We show two lines: Loans (principal) and Interest, both reduce cash.
Calculated monthly payment: €0
Period: 6 months
Starting cash: €0
Total net cash generated: €0
Ending cash: €0
Month Start cash Income Needs Wants Loans (principal) Interest Net End cash

Long-Term Net Equity Forecast

Selected: 10 years
Allowed range: 3%–20%. Applied to the cumulative investment each year.
Default 3%. Used to show net worth in today’s euros (real).
Default 6 months. Savings target = months × essential (needs) expenses.

Notes

  • Savings = emergency fund target of M months of essential (needs) expenses. It fills first.
  • Remaining cash goes to investments and compounds annually with monthly contributions approximation.
Annual net cash available: €0
Savings target (6 months of essentials): €0
Year Savings add (EF) Savings balance Invest add Invest end Debt outstanding Net equity Net worth Real net worth
Net equity after 10 years: €0
Net worth after 10 years: €0
Real net worth (today’s €): €0