This salary cycle
on track · projected end
This week so far
Same point in cycle · year-over-year
benchmark
Last cycle · matched dates YoY
Last cycle
Same cycle, prior year
benchmark
Projected end · vs your normal
Projected — this cycle
12-cycle average
your normal
Finance KPIsbased on 12-cycle averages
Runway
— mo
savings ÷ avg burn
Avg cycle expense
12-cycle rolling avg
Fixed cost ratio
Top-3 concentration
Personal P&L · this cycleedit income to compute savings rate
Net salary (after tax)
€4800
— Gross €8,465 · ~43% tax
—
Annualized bonuses (avg)
+€1,368/mo
— 1.2× salary · €5,760/yr net
—
— 1.42× salary · €6,816/yr net
—
— 0.8× salary · €3,840/yr net (Nov)
—
Blended monthly net income
€6,168
Expenses — fixed
−€1,300
— Rent · €1,025
—
— Subscriptions · ~€275
—
Expenses — variable (so far + projected)
−€—
—
—
Net cash flow (projected)
−€1,731
Savings rate
% of income going to savings (proj.)
% of income going to savings (proj.)
−29%
Income blends €4,800 base + €1,368/mo from annualized bonuses (1.2× + 1.42× + 0.8× Nov). Bonuses arrive lumpy, so non-bonus months show a worse cash flow. Across the full year, savings flow happens via Allianz ESPP + Scalable.
Variance — what drove the changecycle vs prior cycle, same days
Net variance
—
This weekMon → Sun
Last week
4-week avg
trailing 4 weeks
Visual snapshotlast 12 cycles · day patterns
Day-of-week pattern
Avg €/day · last 90 days · excl rent + transfers
Last 12 cycles
Each bar = one 20→19 cycle · current in orange
Last 30 days · daily spend
Excl rent + transfers · spikes = trips & big buys
Savings & investmentsmanually entered
Current
€37,400
Invested
~€20,200
Gain
+€17,200
+85% blended return. Allianz ESPP is the engine (+237%). Outside HomeBudget — update values when you check the platforms.
Binance
Crypto
€5000
€5000 invested
+€0 · +0%
Scalable
Broker
€12200
€9200 invested
+€3,000 · +33%
EquatePlus
Allianz ESPP
€20200
€6000 invested
+€14,200 · +237%
Tap any number to edit. Saved automatically on your device.
What changed this cyclevs same days last cycle
Where your money actually goes
🍽️ Restaurants run at €227/wk
Last 6 months: 75 visits, €79 average. ~3 visits per week. €10,288/year — bigger than your annual rent.
📅 Sundays cost €333
Avg daily spend (last 90 days): Sun €48 · Mon €26 · weekday avg €13 · Sat €24. Sundays alone are 26% of weekly discretionary.
✈️ Travel: €18,345/yr
Largest annual category. Up 4× since 2019 (€4,304 → €16,200). Single biggest lever on your total spend.
🎯 Top 3 ate 66% of this cycle
Rent (25%) · Entertainment (22%) · Restaurants (19%). Move the needle on Entertainment + Restaurants and the cycle reshapes.
📊 Plateau holding
YTD 2026 = €27,694. YTD 2025 same date = €27,731. €37 apart. 2025 ended flat (−0.6%); 2026 on identical pace.
💎 +€17k unrealized gains
Allianz ESPP +237% on €6k. Scalable +33%. Savings flow happens outside HomeBudget — but it's working.
When you hit €1,000,000at current pace
First million in ~20 years
Starting from your current €37,400 in savings · assuming you keep saving + market returns
Conservative
+€10k/yr saved · 7% return
~27 yrs
≈ year 2053
Moderate
+€15k/yr saved · 7% return
~23 yrs
≈ year 2049
⭐ If you cut 20% on the 4 big categories
+€18k/yr saved · 8% return · uses the €8k/yr you'd save
~20 yrs
≈ year 2046
Aggressive
+€25k/yr saved · 8% return
~17 yrs
≈ year 2043
Putting 20 years in perspective 🧮
That's ~1,040 weekly digests from me, ~3,000 restaurant visits at your current pace, and 240 salary cycles of behavior to manage. You'll outlive 4 iPhones, 6 economic cycles, and approximately one Allianz CEO.
Or — skip one Sunday a month. €333 × 12 = €4,000/yr extra invested = shaves ~2 years off the timeline. The cheapest accelerant in your data.
That's ~1,040 weekly digests from me, ~3,000 restaurant visits at your current pace, and 240 salary cycles of behavior to manage. You'll outlive 4 iPhones, 6 economic cycles, and approximately one Allianz CEO.
Or — skip one Sunday a month. €333 × 12 = €4,000/yr extra invested = shaves ~2 years off the timeline. The cheapest accelerant in your data.
What changes the trajectoryif cut by 20%
✈️ Travel
€18,345/yr today
save €3,669/yr
🍽️ Restaurants
€10,288/yr today
save €2,058/yr
🎉 Entertainment
€6,740/yr today
save €1,348/yr
🛍️ Clothing
€4,832/yr today
save €966/yr
All four
€40,205/yr today
save €8,041/yr
Live syncno exports, no taps
✓
iPhone HomeBudget → Family Sync → Anishu cloud → Mac HomeBudget → this page. Updates land within seconds while the Mac is awake and the app is running.
●
Last update from iPhone: · sync seq
⟳
Dashboard rebuilt: from transactions (lifetime €).
When the MacBook lid is closed or HomeBudget is quit, sync pauses. Reopens automatically the next time you open the lid.