Lommebok — Budget, Forecast & Oslo Housing Planner

Monthly income—

Monthly expenses—

Net monthly—

Savings rate—

Affordable home (5× rule)—

Monthly spending by category

10-year savings forecast

Quick scenario summary

Income

Monthly net income (after tax) Other monthly income (rent, dividends, side gigs) Current savings / cash Current investments (stocks/funds)

Fixed monthly costs

Forecast assumptions

Expected investment return / yr (%) Annual expense inflation (%) Annual income growth (%)

Add a 5% buffer to all expenses in forecast (safety margin)

Add an expense

Description Category Amount (NOK) Recurring monthly (counts toward monthly budget forecast)

Your expenses

Oslo apartment purchase — mortgage calculator

Apartment price (NOK) Down payment / equity (NOK) Interest rate / yr (%) Loan term (years) Monthly common charges / fellesutgifter Monthly other housing costs (power, insurance, tax) Rent you pay today (for comparison) Property value growth / yr (%)

Mortgage summary

Equity & remaining loan over time

Scenario comparison — Buy vs. Rent & invest

Buying uses the apartment settings above. Renting assumes you invest the difference between rent and mortgage outlays each month. Net worth after 30 years is compared.