Budget Calculator

Calculating income and expenses

Think about how much money you earn and spend each month. Then divide your expenses in regular, occasional and exceptional expenses. Regular expenses are fixed expenses that occur every month, such as health insurance premiums and rent costs. Occasional expenses, on the other hand, can vary each month and include groceries, clothing and leisure. Exceptional expenses, finally, define those costs that can occur quarterly or yearly, such as, for instance, holiday, taxes or heating costs. You can use receipts and invoices from previous purchases to get an idea of how much you spend. Fill in the fields with the corresponding amounts and find out whether you are keeping your finances under control or you are spending more than you can afford.

         
  Income   Per month in Swiss francs  
         
  Monthly salary (net)    
  Maintenance contributions/Alimony    
  Additional earnings    
  Other income    
 
  Total Income (per month)    
         
  Expenditure      
         
  Expenditure: Once per month   Per month in Swiss francs  
  Home (rent/mortgage payments)    
  Parking space    
  Health insurance    
  Maintenance/Alimony    
  Childcare (e.g. crche, childminer)    
  Telephone/Mobile phone    
  Internet    
  Public transport (e.g. monthly travel pass)    
  Repayments on existing loans    
  Total expenditure (once per month)    
         
  Irregular monthly expenditure   Per month in Swiss francs  
         
  Food    
  Drinks    
  Non-Food shooping (e.g. toiletries, cleaning products)    
  Clothing and shoes    
  Work-related expenditure (meals, work clothing)    
  Children's education (e.g. school dinners, school books)    
  Petrol    
  Information (newspapers and magazines)    
  Leisure time (e.g. sport, cinema)    
  Pet (e.g. pet food, license fees, vet)    
  Children's pocket money    
  Babysitter    
  Other expenditure    
  Total irregular monthly expenditure    
         
  Occasional expenditure (e.g. quarterly or annual)   Per month in Swiss francs  
         
  Taxes (State, cantonal, local)    
  Other expenditure (such as tax in lieu of performing military service)    
  Electricity/Gas    
  Water    
  Heating expenses    
  Radio & TV license fees    
  Radio & TV connection    
  Public transport (e.g. 1/2-fare pass, annual travel pass)    
  Car/motor bike/bicycle: taxes and motorway    
  Car/Motor bike/Bicycle: services and repairs    
  Repairs at home    
  Insurance:    
  - Car    
  - Home contents    
  - 3rd party liability    
  - Life insurance/Pension plan    
  - Others    
  Healthcare costs (e.g. medication, excesses, franchise, dentist, optician)    
  Presents (e.g. birthdays, Christmas)    
  Donations    
  Holidays    
  Meals out and trips away    
  Initial and further training    
  Furniture / Household appliances    
  Unexpected expenditure    
  Other Expenditure    
  Total occasional expenses    
  Total of all expenses    
  Difference between income and expenses    

If the difference is negative, you are living beyond your means.

Disclaimer
We do not guarantee the accuracy or reliability of this calculator and disclaim any liability for damages or loss arising out its use.The results given are estimates and should be used as a guide only.

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