Map the next month in five honest numbers.
Choose an adjustable keep-rate, protect essentials and required debt payments, then see the flexible margin. Every calculation stays in your browser.
Your starting numbers
Nothing is uploaded. This calculator runs in your browser.
Every amount has a visible job.
One next step: Move €320 only if doing so leaves enough timing margin for essentials.
How the Tenthwise Money Map works
The calculator subtracts essential commitments, required debt payments and your chosen keep-first amount from the monthly income available to plan. A positive remainder can fund flexible choices, goals or more margin. A negative result identifies a plan shortfall; it does not label you or silently force a lower essential amount.
Why 10% is editable
The first-tenth idea is memorable, but an income floor, essential needs, arrears and household risk matter. Start lower when necessary and review after real pay cycles. The optional 70/20/10 comparison is a historical debt-recovery scenario, not a universal budget.
What the calculator does not know
It does not know local taxes, legal priority debts, benefit rules, variable bill timing, credit terms or investment suitability. Use the output as an educational first draft and verify decisions that carry financial or legal risk.