Hypothetical example: All figures below use the same chosen currency and are monthly.
- Money in: $5,200
- Housing and household costs: $1,800
- Food, transport and other living costs: $2,300
- Debt payments: $500
- Savings contribution: $200
Money out is $4,800, leaving $400.
What this tells you
The $400 is a starting signal, not a conclusion. It may need to cover irregular costs that are still missing. Add annual insurance, repairs, gifts or other real costs before treating it as free money.
Next possibility: Duplicate the scenario and test one change, such as another $100 towards debt.