How do I use the budget simulator?

Start by entering your take-home pay, select a lifestyle preset, then adjust the sliders. Aim for housing under 30%, food under 15%, and savings at 20%+ for a financially healthy budget.

What is the difference between Frugal and YOLO presets?

Frugal targets housing 25%, food 10%, savings 30% to prioritize the future. YOLO allocates 40%+ to leisure, dining, and hobbies with a lower savings ratio. Choose based on your financial goals.

My monthly disposable income is negative. What should I do?

Total expenses exceed take-home pay. Reduce the largest categories (housing, food) first, or use the reverse salary calculator to find the income needed for your spending level.

Do I need to fill in all 12 categories?

No. Leave unused categories (e.g., education, medical) at zero. Empty categories count toward your disposable income.

Can I get financial advice based on these results?

This simulator is a reference tool and does not replace professional financial advice. Please consult a certified financial planner for personalized guidance.

2025 Budget Simulator — Monthly Expense Analysis

12-category spending simulation against your take-home

Annual Salary

×₩10K

Spending presets

Total expenses

0 KRW

Monthly surplus

0 KRW

Adjust by category

Housing Rent / maintenance

–×₩10K

Food Groceries / dining

–×₩10K

Transport Transit / fuel / car

–×₩10K

Telecom Phone / internet

–×₩10K

Insurance Medical / life ins.

–×₩10K

Subscriptions Netflix · YouTube, etc.

–×₩10K

Leisure Sports / hobbies

–×₩10K

Savings Savings / funds / stocks

–×₩10K

Clothing Clothes / beauty

–×₩10K

Education Courses / books

–×₩10K

Medical Hospital / meds

–×₩10K

Other Misc / events

–×₩10K