Beginner tool · Byte

Monthly Investment Planner

“Five quick questions. I won't tell you what to buy — but I'll tell you how much makes sense to invest each month, and what to fix first.”

— Byte

Monthly take-home€3.000

Fixed monthly costs€1.800

Rent/mortgage, utilities, insurance, baseline groceries.

Current savings€2.500

I already have 3+ months of fixed costs saved as an emergency fundI have debt with interest above ~7-8% (credit cards, expensive loans)

Monthly leftover after fixed costs

€1.200

Byte's suggestion

Build the emergency fund first, invest a bit in parallel

Aim for ~€5.400 (3 months of fixed costs). Until you're there, split: priority to safety, but you can start small.

~€600 → emergency fund · ~€600 → investing

Byte's reminder: this tells you a sensible AMOUNT — not what to buy. Real investing decisions belong with a licensed advisor or a careful conversation with a knowledgeable family member.

⚠️ Educational only · This is not personalised financial advice