Budget Calculator

Why budgeting matters

A budget is the foundation of every sound financial plan. Without knowing where your money goes each month, it's impossible to optimize savings, reduce unnecessary spending, or build long-term wealth.

The 50/30/20 rule is a popular starting point: 50% of after-tax income to needs, 30% to wants, 20% to savings. But the right allocation depends entirely on your goals and situation.

How this calculator works

Enter your monthly after-tax income and adjust the expense categories to match your spending. The calculator instantly shows:

• Monthly surplus — income minus expenses
• Savings rate — what percentage of your income you're keeping
• Annual surplus — your yearly savings potential

The power of savings rate

Your savings rate is one of the most impactful numbers in personal finance. Here's why:

| Savings rate | Years to financial independence* |

|---|---|

| 10% | ~51 years |

| 20% | ~37 years |

| 30% | ~28 years |

| 50% | ~17 years |

*Assuming 5% real return and 25× annual expenses as the target.

Even a modest increase — from 20% to 30% — cuts nearly a decade off the timeline.

Common budget categories in Sweden

For reference, here are typical Swedish household expenses:

• Housing (hyra/boende): 8,000–15,000 SEK — the largest expense for most households
• Food & groceries: 4,000–7,000 SEK
• Transportation: 1,500–4,000 SEK (depending on car ownership vs. public transit)
• Insurance: 500–2,000 SEK
• Subscriptions & memberships: 500–2,000 SEK
• Entertainment & dining: 1,000–3,000 SEK

From budget to wealth

A budget tells you how much you can save. But what you do with that surplus determines your financial trajectory. Investing your monthly surplus in diversified assets — rather than leaving it in a savings account — is the single biggest lever for long-term wealth creation.

Findex connects all your accounts in one place so you can see the full picture: what's coming in, what's going out, and how your invested surplus is growing over time.