Optimiser
What is worth changing first.
The optimiser compares your spending with your net pay, with the 50/30/20 rule and with the average household of ELSTAT, the Hellenic Statistical Authority.
Your profile stays in this browser. You create no account, and we send nothing anywhere.
There is little data so far. Your score settles after the first full month of expenses.
How the score works
Savings, up to 30 points: the closer you are to the savings share of your rule, 20% in 50/30/20.
Needs, up to 25 points: when they stay within the needs share of your rule, 50% in 50/30/20.
Emergency fund, up to 25 points: the closer it is to 6 months of your needs.
30% by card, up to 20 points: as long as you keep the pace that you need for 30% by 31 December.
The comparison with the average household measures shares within your spending, not amounts, because each household has a different income.
The simulator starts from your typical month: the average of the last three months, or your plan. Each euro that you cut goes to savings.
A debt with an interest rate of 10% or more goes to the top: each euro that reduces it earns as much as its rate.