# Monthly Budget Calculator

## Income
Salary: $5,000
Freelance: $1,200
Total income: $5,000 + $1,200

## Taxes
Tax rate: 20%
Tax: 20% of $6,200
Net income: $6,200 - 20%

## Fixed Expenses
Rent: $1,500
Utilities: $200
Insurance: $300
Phone: $80
Internet: $60
Subscriptions: $50
Total fixed: $1,500 + $200 + $300 + $80 + $60 + $50

## Variable Expenses
Groceries: $600
Transport: $150
Entertainment: $200
Clothes: $100
Total variable: $600 + $150 + $200 + $100

## Summary
total_expenses = $2,190 + $1,050
savings = $4,960 - total_expenses
savings as a % of $4,960

## Savings Goal
Target: $10,000
months_needed = $10,000 / savings
months_needed rounded

## Investment
$10,000 after 5 years at 8%
interest on $10,000 after 5 years at 8%
monthly repayment on $10,000 over 5 years at 8%
