Available to spend Calculation
3 201 SEK
Current balance 18 450 SEK minus upcoming bills (10 749 SEK), remaining savings and your 3 000 SEK buffer.
Expected end of month · estimate, not guaranteed
30 130 SEK
Upcoming bills
10 749 SEK
3 bills · Rent, Electricity, Phone – Telia
Saved this month
0 SEK
0% of monthly target
Goals
3 activeSmart alerts
Your electricity bill is 280 SEK higher than last time.
Cash flow this month Calculation
Not enough data to calculate this yet — add transactions in Timeline.
Safety buffer Estimate
HealthyYour projected balance stays comfortably above your safety buffer.
Money Detective
Vattenfall El charged 820 SEK, up from 540 SEK last time. high confidence
If this continues it adds about 3 360 SEK per year.
- 1969-12-23 · Vattenfall El · −820 SEK
- 1969-11-23 · Vattenfall El · −540 SEK
"New computer" is behind its target date. high confidence
Needs 3 800 SEK/month; current pace is 500 SEK/month.
"Emergency fund" is behind its target date. high confidence
Needs 8 600 SEK/month; current pace is 500 SEK/month.
"Vacation" is behind its target date. high confidence
Needs 3 200 SEK/month; current pace is 500 SEK/month.
Patterns detected in your data — not certainties.
Overview Fact
- Current balance
- 18 450 SEK
- Monthly income
- 32 000 SEK
- Savings rate
- 5%
- Fixed expenses
- 11 794 SEK
- Variable (last month)
- 8 071 SEK
- Saving target / month
- 1 500 SEK
- Safety buffer
- 3 000 SEK
MONEYOS provides calculations, estimates and financial information — not guarantees or financial advice. It never moves money, makes trades or cancels subscriptions. You stay in control.