Household budget in Switzerland: build a monthly plan
Create a household budget in CHF with a worked monthly example. Separate fixed costs, everyday spending and annual bills, then check your plan against reality.
Budget calculator
Swiss budget calculator: plan your monthly CHF budget
See how much of your monthly income remains after the expenses and savings you enter. Use your own amounts; nothing is sent to your account or saved by this calculator.
Monthly amount remaining
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Income − fixed costs − everyday spending − annual bills ÷ 12 − savings = amount remaining.
The annual reserve is rounded up to the next cent so the yearly amount is covered.
How to build a useful estimate
- 1
Start with take-home income
Use the money that reaches your household each month. Add a 13th salary or irregular income only to the periods when you can actually use it.
- 2
Separate recurring and occasional costs
Add rent, health-insurance premiums and subscriptions to monthly costs. Put bills paid once a year in the annual field, without counting them twice.
- 3
Compare the plan with real transactions
Review a complete month of spending, then adjust your estimate. This calculation is a monthly average, not a forecast of your bank balance on each payment date.
Continue planning
Explore the guidesFixed costs in Switzerland: checklist and annual reserves
List Swiss household fixed costs and turn annual bills into monthly reserves. Avoid double counting rent, insurance, taxes, transport and subscriptions.
Import a Swiss bank statement and check your expenses
Turn PDF, CSV or camt.053 bank statements into reviewed expenses in Ausgaben.ch. Check categories, transfers, duplicates and opening balances before importing.
Shared budget for couples and flatmates in Switzerland
Plan shared expenses in CHF, choose contribution rules and separate household payments from transfers. A practical budget guide for couples and flatmates.
Start with your first account.
See the features with real app screens. Then create your household and add accounts, income and expenses.