My investment strategy

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Current net worth
€0
total assets
Savings rate
0%
Invested / month
€0
Cash buffer
€0
Annual surplus €0 unassigned / year
Leftover ×12€0
Bonus (net)€0
Tax refund€0
Cash left after expenses, loan payments and investing.
Yearly income
Gross / year
€0
before tax
Net / year
€0
Projection
Add what you have invested or put in each month (under Savings & investments) to see where it could grow.
€0
projected value
How it's worked out
Portfolio allocation €0
assets€0
Monthly budget
Add your take-home pay under Income in the editor to see where your money goes each month.
net / mo€0
Expenses €0 0% Investing €0 0% Leftover €0 0%
Full yearly income breakdown
Gross income
Base salary (12 × monthly)€0
Annual bonus€0
Gross total€0
Deductions
2nd pillar, your 2%€0
Unemployment insurance (1.6%)€0
Income tax (22%)€0
Take-home pay€0
Refunds & top-ups
3rd-pillar tax refund€0
Net incl. refund€0
State top-up to 2nd pillar (4%)€0
Cash & savings €0 total
Physical cash€0
Credit card limit€0
Pensions locked until retirement
Current value€0
2nd pillar
3rd pillar
Investments
Funds (ETFs)
Other investments
Goals & notes

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    Income
    Salary
    €/mo
    €/mo
    €/yr
    Other income

    Pick how each one is taxed. “Taxed like salary” shares your one €700 monthly exemption with your main job. Interest on your savings is already counted from their APY, so don't add it here.

    Spending
    €/mo

    Choose how often each one is paid. Yearly costs like insurance or a yearly subscription are spread over the months.

    Savings & investments
    Cash & savings
    Accounts
    €
    €
    Pensions

    Add each pension fund you hold, with its value, contribution and yearly fee. Your pension total and fees come from these. An old fund you no longer pay into gets 0% contribution.

    2nd pillar
    3rd pillar
    €/mo
    Funds (ETFs)
    €/mo
    Advanced
    €
    Your funds
    Other investments

    Stocks, crypto or anything else you hold. Fill in whichever fields apply.

    Advanced
    €
    Property & debts
    Physical assets

    Use what each would sell for today, not what you paid. Still paying something off, like a home or car? Add it under Debts instead and put its value in the “Worth” field there, so it's only counted once.

    Debts

    Loan payments are counted separately, so leave them out of your monthly expenses.

    %/yr
    Goals
    Targets

    Pick a type for each target. Each shows how far along you are and roughly when you'll get there; add a deadline to see if you're on track. Use the arrows to reorder.

    History

    Know your net worth from earlier months? Add them here to fill in the chart.

    Settings
    Projection
    years
    %/yr
    %/yr
    Advanced
    %/yr

    %/yr
    €
    €/mo
    %/yr
    Retirement
    €/mo
    Advanced
    years
    Taxes

    Used for net pay and the yearly breakdown. Defaults follow Estonian 2026 rules, and Reset leaves them alone.

    Advanced
    %
    %
    %
    €/mo