Budget Journey (local only)

1 Income & household basics Not set

Main inputs

Net income (€/month) Enter net monthly income (household total).

Period

All recommendations scale with the selected period.

Borrowers (loan apps) Dependents Adults (for buffer rule) 1 → €1k buffer, 2 → €2k buffer.

Estonia 2026 assumptions

Apply 700€ monthly allowance Participate in II pillar II pillar employee rate (%)

Estimated gross (€/month)

€0

Taxable base (est.)

€0

2 Budget split (defaults + your actuals) 0%

Adjust percentages (left) and enter your actuals (right)

Category

%

Recommended

Your actual

Diff

Totals

100%

€0

Recommended savings (period)

€0

Your savings (period)

€0

Unallocated

€0

3 Must: home + core obligations —

Mortgage capacity (suggestive)

Debt share cap (%) Interest (%) Term (years)

Existing monthly debts (€) Living-cost buffer per dependent (€ / month)

Down payment (%)

Result

Max monthly payment €0

Estimated max loan €0

Estimated max home price €0

This is a planning estimate. Banks apply additional checks (stress tests, collateral, your history, etc.).

Buy vs rent (simple comparison)

Rent (€ / month) Home price (€)

Down payment (%) Interest (%) Term (years)

Maintenance (% of price / year) Typical planning range: 1–2%.

Result

Estimated owner cost / month €0

Difference vs rent €0

Doesn’t include home price growth, rent inflation, taxes, transaction costs, etc. Use as a quick “gut check”.

4 Need: consumer loan + car leasing —

Consumer loan payment

Amount (€) Interest (%) Term (months)

Monthly payment (annuity) €0

Total paid (approx.) €0

Car leasing (balloon style estimate)

Car price (incl VAT) (€) Company with VAT reclaim?

Down payment (%) Residual at end (%) Interest (%)

Term (months)

Effective price used €0

Estimated monthly payment €0

Balloon (residual) €0

Leasing products differ (fees, insurance, service packages). This assumes “loan with balloon payment”.

5 Want: Latte factor (redirect spending) —

Latte factor

Spend (€) per day Days / week Weeks / month (avg)

Monthly spend €0

Period spend €0

If invested / deposited for 1 year

Term deposit rate (% / year) Investment return (% / year)

After 1 year (deposit) €0

After 1 year (investment) €0

This uses monthly contributions and monthly compounding. Returns can be volatile.

6 Savings: pension, emergency, deposits —

Pension II pillar (from gross estimate)

Employee II pillar (monthly) €0

State part (4% of gross) €0

Total into II pillar €0

Rate options and state 4% are per Pensionikeskus / MTA.

Emergency fund (prioritize until target reached)

Current emergency fund (€)

Target

Target buffer €0

Months to target (using Savings bucket) —

Your rule: min €1k for one adult, €2k for two adults (simple safety buffer).

Suggested “where to put Savings bucket” (editable plan)

Risk style Use your actual Savings (instead of recommended)

Override annual III pillar cap (€) (optional) Leave 0 to auto-estimate (min(6000, 15% of estimated gross/year)).

Emergency fund

€0

Savings (cash)

€0

Term deposit

€0

Pension III pillar

€0

Investments

€0

The goal is allocation guidance, not forecasting your future pension size.

7 Financial independence —

Inputs

Monthly expenses (€) Set 0 to auto-use your actual total expenses (sum of actual Must/Need/Want).

Current invested assets (€) Monthly investing (€) Set 0 to use Savings allocation (investments + deposit + III pillar).

Return (% / year) Withdrawal rate (% / year) Max horizon (years)

Results

FIRE number €0

Estimated time to reach —

Used monthly investing €0

This is a simplified model (constant return assumption).