Salary is not the same as savings. Calculate how much will be left after housing, food, and transport, and how many months it will take to save the required amount.
Estimated calculation based on average prices — actual expenses depend on the city, housing, and lifestyle. Enter income net ("take-home"): if you only know gross, first calculate it in the gross↔net calculator.
How much actually arrives in your bank account, including overtime.
Including utilities (opłaty), if paid separately.
Housing cost is divided by this number.
How much you want to save — we will show in how many months.
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left to save each month
Life —Savings —
Net income—
Housing——
Food—
Transport—
Mobile & other—
Total expenses—
In a year you will save—
To your goal
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Specify a target amount to see the timeframe.
Why a "salary of 5000" doesn't mean anything yet
The question "how much do they pay" almost always has a follow-up that gets forgotten: how much of it will you keep. Two identical salaries yield completely different savings if in one case housing is paid by the employer, and in the other you rent a room in Warszawa.
Therefore, when choosing a job offer, look not at the hourly rate itself, but at the combination of rate + housing + city. An offer with a slightly lower rate, but free housing, often leaves you with more net income at the end of the month.
What expenses consist of
Housing — the biggest expense item. A bed space is cheaper than a room, a room is cheaper than an apartment; sharing with someone is more cost-effective.
Food — depends on whether you cook yourself or buy ready-made meals.
Transport — a monthly transit pass is usually cheaper than single tickets.
Mobile & other — phone, internet, household essentials, clothing.
FAQ
How much do people usually manage to save?
It is very individual, but the rule of thumb is simple: if housing is paid by the employer, savings are usually significantly higher. Calculate both options in the calculator — the difference will be clear.
I only know the gross amount — what should I enter?
First calculate the net amount in the gross↔net calculator, and then enter the resulting amount here.
Should I include overtime?
Yes, if it is regular — add it to your net income. You can calculate the extra pay in the overtime calculator.
Want a job offer where you can save more?
Leave your contact details — we will find a job with employer-provided housing and fair overtime pay. 0 € charged to the candidate.
