Budget Categories Generator
Enter your monthly income and choose a preset to generate a category list with percentages, euro amounts and suggested subcategories.
Calculation runs in your browser — your inputs never leave the device.
Your inputs
Takes ~ 1 minuteYour result
Fill in the fields above and click Calculate — your personalised plan appears here in a moment.
How to use the category list
Start with a preset, then rename or split categories to fit your real life. A good budget category system is simple enough to maintain and detailed enough to show where money goes.
Which preset should you choose?
50/30/20 is the fastest starting point. Zero-based budgeting works when you want every euro assigned. Envelope budgeting is useful when day-to-day spending needs tighter boundaries. Custom starter gives you eight common buckets to edit.
Plain-language notes
Use this section if the finance words on the page are new to you. The calculator is meant to support a decision, not to reward perfect terminology.
- Budget category: a named bucket such as housing, food, transport, or savings. Clear buckets make leaks easier to spot.
What to compare
Compare at least two scenarios before trusting the first answer. A useful result should tell you what changes if income, costs, rates, or timing move.