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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 | Monwey

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

Compound interest, savings, budgets, 50/30/20, mortgage, and retirement: free Monwey calculators to test ideas in euros. Educational tools, not financial advice.

Free financial calculators | Monwey

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

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.

Contact

Got your split? Now make it a habit.

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

Compound interest & savings growth calculator

Mortgage affordability & payment estimator

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

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

Monwey brings expenses, budgets, goals, and insights into one calm dashboard. Log transactions in seconds: privacy-first by design, with nothing synced from your bank unless you choose it. See where your cash really goes and keep a habit you can sustain, not another abandoned spreadsheet.

Know where your money goes each month. Budgets and goals in one place.

Sign up and add income, expenses, and transfers in seconds, manually, with categories that match how you think about spending.

Capture your money

Define what “enough” looks like for each part of your life, then connect goals so your day-to-day choices line up with what matters.

Set budgets and goals

Use the dashboard and reports to spot drift early, rebalance categories, and walk into next month with a plan, not a guess.

Review and adjust weekly

Sound familiar?

What Monwey changes

Set limits that match real life; compare plan vs reality mid-month and adjust before the month is gone.

Budgeting

Log fast, categorize with intent, fix mistakes with edits. See fixed vs variable at a glance.

Expense tracking

Emergency fund, trip, debt: track contributions and milestones you can measure.

Financial goals

Trends and summaries that answer “what changed?”. Decide with context, not anxiety.

Insights & reports

SEO guides, articles, and calculators are here if you want deeper context. Monwey stays the main product story above.

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

Your session uses HTTPS (TLS). Data is stored using industry-standard safeguards on our infrastructure.

Protected access

We do not connect to your bank or ask for credentials to pull transactions. What you track is what you enter.

No bank passwords

We do not sell your financial data for ads. You decide what to track, how to organize it, and when to review it.

You stay in charge

You stay off the bank-connection treadmill. Your numbers are the ones you choose to track.

No credential sharing

Try the full workflow free first. Add payment only when Monwey already fits your routine.

Trial without pressure

Shared finances with separate logins: same data, less tension, clearer planning conversations.

Spaces for couples

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.

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?

Use the salary that actually lands in your account after tax and social contributions. Add car loans, personal loans, or other fixed monthly instalments that are not the future mortgage, they reduce the room left for a new mortgage payment.

Enter your net income and other monthly debt payments

Lower rates or longer terms reduce the monthly payment for a given loan amount, which increases the maximum loan your payment can support. New builds use VAT in our model; resale uses approximate ITP for the autonomous community linked to your province.

Set the interest rate, term, property type, and province

You will see an indicative maximum loan, total interest over the term, savings needed (down payment plus estimated taxes and fees), and a line-by-line estimate of purchase costs. Treat every figure as educational, not an offer from a bank.

Click calculate and read the loan and cost breakdown

How to use this mortgage affordability calculator

Before you sign a mortgage

Your inputs

Purchase costs and taxes

Loan summary

For new builds, VAT of {percent}% often applies to the home (general case; exceptions may apply).

Approximate transfer tax (ITP) in your region for resale: around {percent}% of the purchase price (varies by case and rules).

Complete these steps to make the most of Monwey

Getting Started

Pricing and plans for our personal finance platform. 7-day no-card trial on signup. Get {days} more days free when you subscribe. Unlock couple finance and more.

Pricing & Plans

Add an investment account (e.g. Brokerage) in Accounts to track contributions and withdrawals here.

No investment accounts

Reports

Monwey personal finance app

Try these free financial calculators

How to tell your budget is broken

Fixed vs variable at a glance

Fixed when price and renewal are predictable; variable when you rotate services or buy passes irregularly. Prorate annual renewals into a monthly line so they are not “surprises.”

Subscriptions and memberships

Often variable in usage but recurring as a bill. Many people use last year's average as a monthly placeholder and adjust quarterly—either works if you review.

Utilities (electricity, water, gas)

Same merchants, different behaviors: a household grocery baseline can look semi-fixed, while restaurants stay variable. Splitting lines makes tradeoffs easier to decide.

Groceries vs dining out

Tricky cases: pick a rule and stay consistent

Examples you can mirror in your categories

FAQ: fixed vs variable expenses

Fixed expenses are regular costs that stay roughly the same each month: rent, mortgage, insurance, subscriptions, loan payments. These are predictable and easier to plan for.

Fixed expenses

Monwey lets you assign budgets to stable costs and to categories that swing month to month—so you spot drift early. Start free with manual entries; link a bank only if you want.

Track fixed bills and flexible spending separately

Monwey is built around manual logging first: you choose what to record, split fixed and variable costs with clear budgets, and see real margin without handing over credentials or depending on a bank feed. Linking a bank would be optional—not how you begin.

Fixed vs variable expenses explained with examples, a quick comparison, and tricky cases (subscriptions, utilities). Plan your month and split spending in Monwey—start free without linking your bank.

How much do you think you spend on variable costs?

Once you know what is usually fixed vs variable, turn it into caps you can review weekly—without guessing.

From examples to your categories

If the mistake list stung, adjust categories and limits using real transactions—not a mental budget.

Mistakes get fixed with data, not good intentions

With fixed and variable costs split, the next step is to see what is left after non-negotiables for the month.

Measure before you cut

Predictable amounts and due dates: cover them first in the month; changes are usually slower (negotiate, refinance, switch plan).

Rent or mortgage, insurance on a steady premium, minimum debt payments, stable internet/mobile plan, childcare with a fixed monthly fee.

Driven by habits and the specific month: manage with per-category caps, frequent logging, and weekly or biweekly reviews.

Groceries and dining out, discretionary fuel or transport, entertainment, non-essential shopping, small variable home repairs.

At-a-glance comparison of fixed vs variable expenses: how to spot them, how to control them, and typical examples.

Summary table: type, control, and example

Fixed vs variable expenses: the difference that makes your budget work—or break

Variable expenses change month to month: groceries, dining out, entertainment, fuel, shopping. Tracking these helps you spot patterns and cut back where it makes sense.

Variable expenses

Guides and tips to improve your personal finances. Learn about budgets, savings goals, and using Monwey effectively.