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We built Monwey to help people take control of their money with clarity and confidence.

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Balance Over Time

Net Worth Over Time

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Welcome to Monwey!

Featured guides

Create a free account to link categories, budgets, and goals with real numbers, so SEO research becomes weekly progress.

Turn reading into habits on Monwey

Intent-based filters

Latest articles

Main topics

Articles

Personal finance blog | Budgets, savings & investing guides

Fine-tune your monthly plan and validate budgeting decisions with data.

Budget calculator

Project how money grows with recurring contributions and compounded returns.

Compound interest calculator

Model savings scenarios and turn goals into concrete numbers.

Savings calculator

Tools

Most useful articles

Set the percentage of your income for each expense group and savings. Percentages must sum to 100%.

Drag the dividers between sections to adjust your allocation. Total is always 100%.

Allocation targets

This month's status

Set your allocation targets and see how your current month compares.

Budget

Your monthly net income

Next steps

Free euro calculators on Monwey: compound interest, savings pace, budgets, 50/30/20, mortgage check, retirement model, and FIRE age—education only.

Free financial calculators | Monwey

Project balance growth with an initial amount, monthly contributions, and a yearly rate, compounded monthly.

Turn annual spending and a withdrawal assumption into a target portfolio, then see roughly how long until you could reach it.

FIRE age calculator

Split income into essential spending, flexible spending, and saving using a three-bucket view.

Monthly budget (needs, wants, savings)

Estimate an indicative property budget from income, other debts, rate, and term, with a Spain-style framing.

Mortgage affordability (Spain)

Project invested savings to a retirement date and see an illustrative monthly income from a simple withdrawal rate.

Retirement savings planner

Check how a classic 50% needs, 30% wants, 20% savings split looks with your take-home pay.

50/30/20 budget calculator

See how a monthly savings amount grows over time at a given rate, or back-solve a needed payment for a target.

Savings rate calculator

Link a target amount and date to a realistic monthly or weekly amount you can track.

Savings goal calculator

Averages

Cashflow Over Time

Summary by Period

Cashflow

Charts

Compound interest with index funds, ETFs, stocks, and other assets

Important information

Frequently asked questions

Compound interest formula

Enter what you have today, a contribution you can sustain, and a prudent rate. The year-by-year table and chart show how much comes from deposits versus compound growth.

1) How much will I accumulate over a given period?

Adjust the duration until the final balance approaches your target (home, emergency fund, retirement). Compare a few return assumptions to see a plausible range of timelines.

2) How many years might it take to reach a goal?

Keep the timeline and rate fixed, then try different periodic deposit amounts until the final balance matches what you want to accumulate.

3) What monthly contribution would move me toward my goal?

With starting balance, contributions, and timeline fixed, raise or lower the rate until the result matches your goal. This calibrates expectations, it does not promise a market return.

4) What annual return would be needed (approximately)?

Four ways to use this compound interest calculator

How this compound interest calculator works

Why time strengthens compound interest

The snowball effect of compound interest

Best practices

Where can compound interest be applied?

Set your simulation

Year-by-year breakdown

Send us a message about our personal finance tracker. Support, feedback, or questions, we'll get back to you as soon as possible.

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Got your split? Now make it a habit.

Create a free account with Google or email: log income and spending, set goals, and revisit your simulation when rates or pay change.

Save this run and track it with your real numbers

Bring categories, budgets, and goals into one workspace: manual entries you control, clear monthly reports, and no bank connection required to start.

Move from reading to results with Monwey

Log contributions, follow goals, and keep investing context next to your day-to-day budget in Monwey.

Track what you invest, not just what you read

Use Monwey to track what you save, build habits with categories, and see progress every month.

Turn this guide into real savings

Reorder and choose which widgets are visible on your dashboard.

Customize dashboard

Expenses comparison

Cash, housing & investments

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Compound interest & savings growth calculator

Mortgage affordability & payment simulator

Retirement planner & withdrawal illustration

Free calculators: compound interest, retirement, mortgage affordability. Guides on saving and investing. Track spending and goals in Monwey.

Free Monwey financial calculators for saving, investing, and housing affordability, with related personal finance guides and a path to track your money in the app.

Free financial calculators: save, invest & home | Monwey

Financial calculators by Monwey

Your FIRE inputs

Related tools and guides

Your estimate

Each row records an allocation toward this goal. Your cash stays in the source account unless you move it separately.

Record how much you've set aside for this goal. The money stays in your account, this just tracks your progress.

Update the virtual allocation amount and its source account. Linked ledger lines remain unchanged.

Goals

Free tools to project compound growth, estimate an affordable mortgage in Spain, and model retirement savings.

Model periodic deposits, see year-by-year growth, and explore long-term savings scenarios.

Estimate a sustainable monthly payment and indicative home price from your net income and existing debts.

Project your portfolio at retirement from your age, savings, monthly contributions, and expected return.

Retirement planner

No bank connection. No complexity. Just clarity.

Record transactions as they happen, in your own categories—no bank feed required.

Register

Assign your income to what really matters, with simple limits you can keep.

Set goals

Adjust at the end of the month with real data, not guesswork.

Review

We never ask for your bank credentials. There is nothing to leak.

No bank connection

We don't sell, share, or analyze your entries with third parties.

No data sharing

Manual entries mean only the things you choose ever exist in the app.

You decide what to track

What is actually going on

The shift that changes things

Set custom spending limits for the categories that matter most to you.

Flexible Budgets

Log everyday spending in seconds with our fast, focused entry experience.

Expense Tracking

Track progress toward a dream car, a home, or a solid emergency fund.

Financial Goals

Visual breakdowns of where your money goes, month by month.

Reports

Free guides, articles, and calculators if you want to go deeper; the main story is still Monwey, higher on the page.

Ideas, frameworks, and updates to help you act on your money, not just read about it.

Blog

Compound growth, mortgage affordability, retirement projections: free tools, no signup.

Calculators

Step-by-step personal finance guides: budgets, saving, goals, and investing basics.

Guides

Log income and the cash you have on hand today. No history needed.

Day 1 · Set your starting point

One mindful entry per spend. The friction is the feature.

Day 2 · Track every euro

Your first category breakdown emerges from real data.

Day 3 · Spot the pattern

One category will surprise you. That's where awareness starts.

Day 4 · Find a leak

Pick a single category to test for the week ahead.

Day 5 · Set one limit

Real numbers replace vague guilt. Course-correct, no shame.

Day 6 · Adjust calmly

A week of clarity in one chart. Decide what comes next.

Day 7 · See the picture

We protect your data with industry-standard practices: encryption in transit, careful access control, and no selling your information.

Designed with your security in mind

Carmen G.

Joan M.

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Automation

Awareness

Privacy Policy

Terms of Service

You retain ownership of your data. By using the service, you grant us a license to store, process, and display your data to provide the service.

Sign up free and move from reading to tracking: categories, budgets, and dated goals—with manual entries if you prefer not to connect your bank at first.

Bring these numbers into Monwey

A practical order of operations on a tight paycheck: cover true fixed costs, automate a tiny pay-yourself-first transfer, then tune leaks with data—not shame.

How to save when you earn around €1,000/month | Monwey

Before chasing percentage rules from the internet, list housing, utilities, minimum transport, core food, minimum debt payments, and anything that breaks the month if unpaid. If almost nothing is left, saving starts as a very small, repeated payday move—not an aspirational monthly quota.

1) Minimum month snapshot: what is truly fixed

Pick an amount you can repeat for three paydays even in bad months—maybe €10, €15, or €25. Move it to a labeled bucket on pay day. If the margin truly does not exist yet, trim one leak (subscriptions, deliveries, impulse rules) or lengthen the goal horizon—disappearing from the plan is the expensive option.

2) Automate a tiny “pay yourself first”

A savings-goal calculator shows how many months your contribution covers a starter buffer; compound interest belongs to long horizons, not next week. Use tools to calibrate expectations, not to compare yourself with higher earners online.

3) Pair the habit with calculators (no miracles promised)

Your merchants

Banks, brokers, and other institutions where you hold accounts.

Merchants

Important notice

What affects the mortgage a lender will offer?

How it works (summary)

Indicative ITP (resale) by autonomous community

How much do you need to save to buy a home in Spain?

Select fixed, variable, or mixed to frame the quote you compare; the same TIN drives the maths in each case with different explanatory notes.

Pick the mortgage type

Use the sliders for property price and mortgage loan amount (the headline above the slider). The term buttons only allow twenty-five through forty years.

Tune price, loan, and term

Your annual nominal TIN feeds a standard amortising formula. Total interest and total repaid help you sanity-check scenarios; taxes and deeds are excluded.

Enter the TIN and read the payment

How to use this mortgage payment simulator

Before you sign a mortgage

Loan details

How each input affects this estimate

Profile risk level

Illustrative borrowing capacity

Stacked bars by year: principal repaid (lower) and interest (upper), using the same level monthly payment and monthly interest rate as the simulator.

Annual cashflows (French amortisation)

Taxes and fees breakdown

Enter net income in your profile to estimate risk.