What is the ideal budget split?

The 50/30/20 rule is popular: 50% for needs (housing, food, bills), 30% for wants (leisure, clothing), and 20% for savings. In Algeria, housing and food may exceed 50% — adjust the ratios to your reality.

How much should I save per month?

Ideally, save at least 20% of your income. If that's not possible, start with 5% or 10% and increase gradually. Consistency matters more than the amount.

What if my budget is in deficit?

If your expenses exceed your income, review categories from largest to smallest. Cut non-essential spending first (entertainment, clothing), then find cheaper alternatives for big items (carpooling, home cooking).

What percentage of income should go to housing?

General rule: housing should not exceed 30% of income. In major Algerian cities (Algiers, Oran), it can reach 40%, which means compressing other categories or increasing income.

How do I handle non-monthly expenses?

Quarterly or annual expenses (insurance, holidays, back-to-school) should be divided by 12 and included in 'Other expenses'. Example: car insurance of 60,000 DZD/year = 5,000 DZD/month.

Tools

Monthly Budget Calculator

Plan your monthly budget: enter your income and expenses to find your remaining balance and savings rate.

Calculation tool

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Monthly income

Net salary or total monthly income (DZD)

Housing

Rent or mortgage payments

Food & groceries

Groceries and dining out

Transport

Fuel, public transport, vehicle maintenance

Utilities

Electricity, water, gas, internet, phone

Education

Tuition fees, books, courses

Health

Medicine, doctor visits, health insurance

Clothing

Clothes and shoes

Other expenses

Entertainment, gifts, miscellaneous

Remaining balance

10,000DA

Housing30%

Food & groceries24%

Transport10%

Utilities10%

Other expenses6%

Remaining balance20%

Monthly income50,000DA

Housing15,000DA

Food & groceries12,000DA

Transport5,000DA

Utilities5,000DA

Other expenses3,000DA

Total expenses40,000DA

Remaining balance10,000DA

Savings rate20.0%

Expense-to-income ratio80.0%

Savings rate20.0%%

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How it works

Enter your net monthly income (after deductions).
Distribute your expenses across eight categories: housing, food, transport, bills, education, health, clothing, and other.
Total expenses, remaining balance, and savings rate are calculated instantly.

This calculator is a simple planning tool based on basic arithmetic (income − expenses). It does not rely on any official rates.

Frequently asked questions

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