[Calculators](https://pecuvo.eu/en/calculators/) · Budget # Where does the money go? Household budget calculator Write roughly how much you spend each month in each category. The bars show each share — the first step to a budget that works. The numbers stay in your browser and are not sent anywhere. Knowledge, not financial advice — for a specific decision, read the contract and ask an independent specialist. ## How it is calculated Share = spending in the category ÷ all spending. The numbers stay in your browser. For a real budget with plan and actuals, see Module 9 “Managing cash flow”. ## The terms in the Glossary - [Personal budget](https://pecuvo.eu/en/glossary/personal-budget/) — A personal budget is a plan of how much money comes in and where it will go over a period — for example a month — regula - [Fixed and variable costs](https://pecuvo.eu/en/glossary/fixed-and-variable-costs/) — Fixed costs stay the same however much you sell (rent, salaries, subscriptions), while variable costs rise and fall with - [Saving](https://pecuvo.eu/en/glossary/saving/) — Saving is setting aside part of your income today to use later — for a reserve, a goal or the future — with the money ke - [Pay yourself first](https://pecuvo.eu/en/glossary/pay-yourself-first/) — "Pay yourself first" is the principle that saving is the first expense on payday, not whatever is left at the end of the ## In depth in the modules - [Module 9 · Managing cash flow — with the tool](https://pecuvo.eu/en/modules/managing-cash-flow/) ## More calculators - [Net salary (example: Bulgaria)](https://pecuvo.eu/en/calculators/net-salary-bulgaria/) - [Loan and APR](https://pecuvo.eu/en/calculators/loan-repayment-apr/) - [Compound interest](https://pecuvo.eu/en/calculators/compound-interest/) - [Saving for a goal](https://pecuvo.eu/en/calculators/savings-goal/) - [Emergency fund](https://pecuvo.eu/en/calculators/emergency-fund/) - [Pay yourself first](https://pecuvo.eu/en/calculators/pay-yourself-first/) - [Inflation](https://pecuvo.eu/en/calculators/inflation/) - [Bulgarian lev and euro](https://pecuvo.eu/en/calculators/lev-to-euro/)