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Publication log
All 44 pieces published on SaveMate, newest first, with the date each one went live.
Articles
27
Calculators
17
Last published
Sept. 15, 2026
September 2026
15
One Income or Two? What a Second Salary Really Adds
Whether one partner should step back from work is usually argued as a lifestyle question. It is also an arithmetic one — and the …
12
Loan calculator
Estimate a loan monthly payment, total interest, payoff year and first-payment split for personal, auto or mortgage-style loans.
12
Proportional bill split calculator
Split shared bills by income and compare the result with a 50/50 split, including each partner’s leftover money.
11
The Real Cost of a Child: Three Layers, Not One Number
Headline totals for "the cost of raising a child" are close to useless — they average across countries, decades and choices you have not …
08
One Emergency Fund or Two? Emergency Savings for Couples
Two partners, one household, and a decision nobody makes deliberately: one shared emergency fund or two separate ones? The same total behaves very differently …
04
The Financial Talk: 12 Questions Every Couple Should Answer
Most couples never have one deliberate conversation about money — they have a hundred accidental ones, usually mid-argument. These twelve questions cover everything that …
01
Splitting Bills When One Partner Earns More
Splitting the bills down the middle feels fair until you look at what each partner has left afterwards. Here is the arithmetic of the …
August 2026
28
Joint, Separate or Hybrid: How Should Couples Hold Their Money?
Fully joint, fully separate, or a hybrid with a shared pot? The right answer depends less on romance than on how far apart your …
25
How Much to Invest for €3,000 a Month
To live on €3,000 a month from investments you need a portfolio of about €900,000 at a 4% withdrawal rate. Here is where that …
21
The 4% Rule, Explained with €500,000
The 4% rule is a shortcut for turning savings into retirement income: draw 4% the first year, adjust for inflation, and the money likely …
18
Retire at 70 with €2 Million: How Much Income?
The same €2 million pays more if you retire at 70 than at 60, because your money has fewer years to last. That supports …
14
Can You Retire at 60 with €2 Million?
€2 million sounds like enough to retire at 60 — but what monthly income does it actually produce? At a safe 4% that is …
11
Warren Buffett’s Golden Rule: Never Lose Money
Warren Buffett’s "Rule No. 1: never lose money" is not about avoiding every down year. It is about not taking a loss big enough …
07
Fixed vs Discretionary Expenses: What’s the Difference?
Fixed expenses are the bills that stay the same; discretionary expenses are the spending you choose. Here is what separates them, the grey area …
04
The Big Three Expenses That Decide Your Budget
For most households, housing, transport and food swallow the majority of take-home pay. That is why cutting the big three moves your budget far …
July 2026
31
Dave Ramsey’s 7 Baby Steps Explained
The 7 Baby Steps put personal finance in a fixed order: a starter buffer, clear all debt, a full emergency fund, then invest. Here …
28
Pay Yourself First: The Simplest Saving Habit
"Pay yourself first" means moving money to savings the day you are paid, before anything else. Here is why saving the leftover never works, …
24
Why Budgets Fail (and How to Fix It)
Budgets rarely fail because people lack discipline. They fail for five predictable reasons — too strict, unrealistic, or built on forgotten costs. Here is …
21
What Is the 50/30/20 Rule? A Simple Budget Split
The 50/30/20 rule is a one-line budget: half your take-home pay for needs, 30% for wants, 20% for savings and debt. Here is what …
17
What Is a Personal Budget? A Plain-English Guide
A personal budget is a plan that tells your money where to go before the month spends it for you. Here is what a …
June 2026
23
Avalanche vs snowball: which clears your debt fastest?
Avalanche saves more interest. Snowball builds momentum from early wins. Which one fits depends on a single personality question — answered with a worked …
23
How to Calculate Extra Mortgage Payments
Extra payments go straight to principal and switch off future interest. Here is the method, a worked example saving €22,134, and a calculator for …
23
ECB Deposit Facility Rate: Peak and Every Change, 2022–2024
The ECB deposit facility rate hit 4.00% in September 2023 — its highest ever — after ten straight hikes. Here is the full change-by-change …
May 2026
16
Mortgage refinance break-even calculator
Estimate whether a lower mortgage rate repays refinance fees before you plan to move, sell or refinance again.
16
FX Converter with History
Convert EUR to USD, GBP, PLN, CHF or SEK and see the historical ECB-backed reference-rate trend.
16
Inflation Adjuster
Convert a past euro amount into today’s purchasing-power equivalent using Eurostat HICP inflation data.
16
Budget Categories Generator
Generate a personal budget category list from monthly income with 50/30/20, zero-based, envelope and custom starter presets.
16
Retirement Target Calculator
Estimate retirement income from a portfolio, or calculate the portfolio needed for a target monthly income using a withdrawal-rate rule.
16
Budget Rule Comparator
Compare 50/30/20, 70/20/10, 70/10/10/10 and 40/40/20 budget rules from one monthly income number.
14
Couple Budget Planner
Plan a fair couple budget. Compare 50/50 and income-based splits for rent, bills and shared monthly expenses.
11
Bitcoin Price History with ECB Policy Rate Overlay
Live chart of Bitcoin in euros, overlaid with the ECB policy rate — so you can see how monetary policy and BTC move together.
11
EUR / USD: A Long-Run Live History
Live monthly chart of the EUR/USD exchange rate since 2014, plus a plain-English read on what it means for cash, investments, and imports.
11
ECB Key Interest Rate: A Live History
Live chart of the ECB Deposit Facility Rate since 2014, with every rate move and what it means for savings and mortgages in the …
11
EU Inflation History by Country: 2014–2026
A live chart and country-by-country breakdown of harmonised eurozone inflation since 2014, updated weekly from Eurostat HICP.
10
EU Debt-to-GDP Comparator
Compare general-government debt as a share of GDP across all EU27 countries. Annual Eurostat data with 10-year trend.
10
EU Inflation Comparator
Compare current and historical inflation rates across Germany, Poland, Spain, France, and the EU27 average. Data refreshed weekly from Eurostat.
April 2026
27
How Compound Interest Works
A short, math-first reference: the formula, why time matters more than rate, and where the model breaks down.
27
Compound Interest Calculator
Calculate how compound interest grows your savings over time. Adjust principal, monthly contribution, rate, and time horizon.
26
Compound Interest Explained
How small, regular contributions become a large balance over decades — the math behind the snowball effect.
26
50/30/20 budget calculator
How to split your monthly income? The 50/30/20 rule: 50% needs, 30% wants, 20% savings. See if your spending matches.
26
Debt-free planner
Multi-debt payoff: pay off the highest-rate first (avalanche) or smallest first (snowball)? Compare both with your real numbers.
26
Emergency Fund Calculator
How big should your emergency fund be? Calculate your personal target with current inflation, savings interest and risk profile.
26
Extra mortgage payment calculator
Make an extra mortgage payment: how many years and how much interest do you save? Compare both schedules side by side.
26
Lifestyle inflation check
Did your salary go up but savings stay flat? Diagnose lifestyle inflation: compare income, discretionary spend and savings growth.