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Tool 02 · 30·30·30·10 formula
The financial wellbeing formula
Compare 10% for protection, 30% for housing, 30% for saving and 30% for living and consumption.
Use the income that reaches your account after taxes and social contributions.
Your monthly amounts
Complete your budget
Use the detail to find spending leaks or enter the total for each area directly.
10%Protection30%Housing30%Saving30%Living / consumption
Guideline 10%
Protection
Protection for your income, family and wealth against unforeseen events.
0 €0.0% of your income
Guideline: 0 €On target
Guideline 30%
Housing
The full cost of maintaining your home.
0 €0.0% of your income
Guideline: 0 €On target
Guideline 30%
Saving
Reserves and contributions that build wealth over the short, medium and long term.
0 €0.0% of your income
Guideline: 0 €On target
Guideline 30%
Living / consumption
Everyday expenses that support your life and wellbeing.
0 €0.0% of your income
Guideline: 0 €On target
The foundation of strategic saving
Two accounts, two clear purposes
Income first reaches your wealth-building account. Housing, saving and protection are covered from there. An automatic transfer sends only the living and consumption budget to the second account.
This separates what builds and protects your future from what you can spend during the month.Wealth building
Receives income and one-off payments.
Housing · 30%Saving · 30%Protection · 10%
Automatic transfer→
Living / consumption
30 %Your available budget for everyday expenses.