10-20-30-40

The "ideal" split:

  • 10 % - Short-term reserve
  • 20 % - Long-term security
  • 30 % - Housing costs
  • 40 % - Spending

The 10-20-30-40 rule is a quick aid for keeping your money under control without complicated maths: set aside 10 % as a reserve for unexpected expenses, save or invest 20 % for the future, count on 30 % for housing and other essential payments, and leave the remaining 40 % for everyday life.

How universally this rule of thumb can be applied is certainly open to long debate, but we won't have it here. This little calculator simply turns the percentages into concrete amounts — because the result can often be surprising.



How much should it be in your case?

( Nothing is sent anywhere, saved, etc.)


Here you can find out how much is left for the other categories
if some of them take a larger / smaller share than recommended.

When you adjust one section, the others change accordingly and your adjustment stays fixed.
When only the last section remains, adjusting it will of course affect all the others again, so the total is always 100 %.


Reserve

0

Where it belongs:

  • savings account
  • cash reserve

What it's for:

  • a broken appliance
  • medicine, health costs
  • loss of income
10 %

Security

0

Where it belongs:

  • ETFs / index funds
  • pension savings
  • investment account
  • life insurance

What it's for:

  • old age
  • financial independence
  • bigger goals (house, business)
  • long-term wealth growth
20 %

Housing

0

Where it belongs:

  • current account
  • standing orders / direct debit

What it's for:

  • rent or mortgage
  • utilities and water
  • internet, phone
30 %

Spending

0

Where it belongs:

  • current account
  • debit card
  • cash

What it's for:

  • groceries, clothes
  • transport and car
  • hobbies and leisure
40 %



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