What's inside your full report
The €29 report turns your number into meaning: a 10+ page PDF that runs these analyses on the exact figures you entered.
A 10+ page PDF — every figure drawn from your own numbers.
Where your money goes
Every category ranked by what it costs you, with the share of your total each one takes — so you see where the money actually concentrates.
Your costs are grouped and ranked so the largest commitments immediately stand out. You see both the amount behind each category and its share of your total fixed costs.
That makes it easier to distinguish a category that merely contains many small bills from one that genuinely dominates your recurring spending.
How you compare
Your category split measured against typical households in your country — exactly where you sit above and below the norm.
Your own category shares are placed alongside household benchmark figures, making differences visible without reducing everything to a single average.
You can see which parts of your fixed-cost structure are relatively high, which are relatively low and where your spending pattern differs most from the benchmark.
The calendar effect
Which months spike, and why. The quarterly and yearly bills hiding outside your monthly view — and what to set aside so your heaviest month never squeezes you.
A yearly total can hide when costs actually arrive. The report maps monthly, quarterly and yearly payments across the calendar so you can see which months carry more pressure than others.
It also shows the effect of non-monthly bills and the monthly amount you would need to reserve to smooth those costs across the year.
Room to move
What you could cancel and what you realistically can't, separated clearly — and the total you could reclaim this year if you acted on it.
Not every recurring cost is equally changeable. The report separates costs that are effectively fixed from those with genuine room to move, so the possible savings are not mixed with commitments you cannot simply remove.
You also see the yearly value of the flexible part of your fixed costs, giving you a concrete figure for the amount that is actually open to review.
Your cost floor
The minimum you'd still carry if you stopped everything stoppable — your true locked-in baseline, and the largest commitments behind it.
Your cost floor strips away the costs with room to move and leaves the recurring commitments that would remain. This gives you a clearer baseline than your full fixed-cost total alone.
The report also identifies the largest costs behind that floor, showing which commitments are responsible for most of the amount you cannot easily reduce.
The income lens
Your fixed costs measured against your net income — the share committed before the month even starts, and the income drop your floor could survive.
If you provide your net income, the report relates both your total fixed costs and your cost floor to what comes in each month. That shows how much of your income is already committed before discretionary spending begins.
It also shows how far income could fall before your locked-in cost floor alone would consume it, giving the fixed-cost total a more personal context.
From a total to a usable picture
The value isn't in having more numbers. It's in seeing which numbers actually matter.
A yearly total tells you how much your fixed costs add up to. The full report shows what is driving that total, which part is locked in, where you have room to move, when the pressure lands and how it relates to your income.
That gives you a fixed-cost picture you can actually use: what deserves attention, what can stay as it is and which changes would genuinely make a difference.