Estimate your Discretionary Income
Calculate your discretionary income
Use the following monthly budget planning tool to estimate the portion of your income that is likely to be available for leisure purposes, including gambling. This supports a financially healthier gaming experience.
Income
After-tax income
(Month)
Enter the exact amount you receive after deducting taxes, insurance and other deductions (eg pension contributions, professional fees, guild etc.).
Social benefits
(Month)
Social welfare allowances such as child allowance, single-parent family allowance, disability allowance, tuition subsidy, pensioner's allowance with low incomes, minimum guaranteed income, etc.
Rental income
(Month)
If you are renting out your own home or property, enter the amount here.
Other income
(Month)
e.g. investments, donations from family and friends, etc
Housing expenses
Loan installment for the purchase of a house
(Month)
Enter your monthly mortgage payment.
Rent & Shared
(Month)
Enter the rent you pay for your accommodation
Buildings & Contents Insurance
(Month)
Buildings insurance can cover the structural construction of your home and/or fixtures and appliances.
Other housing costs
(Month)
eg cleaning services, property maintenance, garden maintenance
Community Services
Municipal taxes
(Month)
Municipal taxes concern public utility services, e.g. real estate tax, garbage, etc.
Electricity
(Month)
Calculate the monthly fee
Water
(Month)
Calculate the monthly fee
Telephones
(Month)
Include landline and cell phone bills
Internet (internet) & TV services
(Month)
If you pay for your broadband, landline and TV as a bundle, enter this amount once and leave the other boxes blank.
Other services
(Month)
Living expenses
Shopping
(Month)
Keep in mind that your weekly shopping includes more than just food such as personal care products, cleaning products, diapers and baby items as well as what you buy throughout the week, such as milk, bread, snacks.
Ready food & coffees (takeaway & delivery)
(Month)
Include the cost of ready meals you buy at home or at work and the money you give your children to buy their own ready meals when they are out.
Alcohol & cigarettes
(Month)
Do not complete this category if you have already counted it in your shopping. But if you buy alcohol from a winery or any other store and you haven't already counted it, include it here.
Clothing & footwear
(Month)
What do you spend on yourself and your family?
Medical prescriptions, medicines & physiotherapy
(Month)
In this category also include pharmaceutical preparations that you buy without a medical prescription, eg painkillers, syrups, vitamins, etc.
Natural gas for domestic use (gas cylinder)
(Month)
Calculate your monthly consumption
Natural gas or oil for heating
(Month)
Calculate your monthly consumption
Other living expenses
(Month)
laundry services, hairdressers and beauticians, Eye care e.g. lenses, Dental care e.g. special preparations
Insurance & Bank charges
Insurance coverage
(Month)
Include costs for different types of insurance eg life insurance, health insurance, critical illness insurance, dental cover, payment protection, pet health, income protection etc. Do not include the cost of your home and car insurance.
Pay off loans (do not include mortgage and car/motorcycle) & credit cards
(Month)
Enter the monthly repayment amount of your loan(s). Do not include home and car loans in this category.
Savings & investments
(Month)
Enter here the amount you are depositing in a savings or other deposit account
Other expenses
(Month)
eg bank account charges, private pension contributions, financial and legal advice etc.
Family expenses
Childcare / school fees
(Month)
Enter the amount you spend on kindergarten, private school, nanny, or other services for the custody and care of your children.
Extra Tuition
(Month)
Enter the full amount you pay for tuition
Children's activities & games
(Month)
The amount you spend on children's groups, clubs and other activities you pay for your children.
Pocket money
(Month)
If you give your children a certain amount of money each week for their small expenses, enter the amount here.
Child support and expenses in case of divorce
(Month)
Enter the full amount of child support you pay your ex.
Pet expenses
(Month)
Pet food, veterinary and other expenses. Do not complete this category if you have already counted it in your shopping.
Other expenses
(Month)
support to other relatives (e.g. nursing home), repayment of financial assistance from friends/relatives, etc.
Transportation
Car/motorcycle loan repayment
(Month)
enter your monthly vehicle loan repayment amount.
Motor fuels
(Month)
Fill in the amount you spend on fuel.
Vehicle security
(Month)
Fill in the amount you spend on your vehicle insurance
License fees
(Month)
Fill in the amount you spend on your vehicle's annual registration
Maintenance, repairs & MOT
(Month)
Fill in the amount spent annually on the mechanical maintenance and repair of your vehicle
Other Transportation costs
(Month)
eg vehicle hire, bus fare, taxi, air travel, parking fees, fines
Gambling expenses
How much money do you spend on casino games?
(Month)
Slot machine, Card games like poker etc., roulette
How much money do you spend on betting?
(Month)
Sports betting, Keno, Bingo, Horse racing betting, lotteries (lotto, joker, super 3 etc.)
How much money do you spend on other betting products?
(Month)
Calculate your discretionary income
Use the following monthly budget planning tool to estimate the portion of your income that is likely to be available for leisure purposes, including gambling. This supports a financially healthier gaming experience.
Income
After-tax income
(Month)
Enter the exact amount you receive after deducting taxes, insurance and other deductions (eg pension contributions, professional fees, guild etc.).
Social benefits
(Month)
Social welfare allowances such as child allowance, single-parent family allowance, disability allowance, tuition subsidy, pensioner's allowance with low incomes, minimum guaranteed income, etc.
Rental income
(Month)
If you are renting out your own home or property, enter the amount here.
Other income
(Month)
e.g. investments, donations from family and friends, etc
Housing expenses
Loan installment for the purchase of a house
(Month)
Enter your monthly mortgage payment.
Rent & Shared
(Month)
Enter the rent you pay for your accommodation
Buildings & Contents Insurance
(Month)
Buildings insurance can cover the structural construction of your home and/or fixtures and appliances.
Other housing costs
(Month)
eg cleaning services, property maintenance, garden maintenance
Community Services
Municipal taxes
(Month)
Municipal taxes concern public utility services, e.g. real estate tax, garbage, etc.
Electricity
(Month)
Calculate the monthly fee
Water
(Month)
Calculate the monthly fee
Telephones
(Month)
Include landline and cell phone bills
Internet (internet) & TV services
(Month)
If you pay for your broadband, landline and TV as a bundle, enter this amount once and leave the other boxes blank.
Other services
(Month)
Living expenses
Shopping
(Month)
Keep in mind that your weekly shopping includes more than just food such as personal care products, cleaning products, diapers and baby items as well as what you buy throughout the week, such as milk, bread, snacks.
Ready food & coffees (takeaway & delivery)
(Month)
Include the cost of ready meals you buy at home or at work and the money you give your children to buy their own ready meals when they are out.
Alcohol & cigarettes
(Month)
Do not complete this category if you have already counted it in your shopping. But if you buy alcohol from a winery or any other store and you haven't already counted it, include it here.
Clothing & footwear
(Month)
What do you spend on yourself and your family?
Medical prescriptions, medicines & physiotherapy
(Month)
In this category also include pharmaceutical preparations that you buy without a medical prescription, eg painkillers, syrups, vitamins, etc.
Natural gas for domestic use (gas cylinder)
(Month)
Calculate your monthly consumption
Natural gas or oil for heating
(Month)
Calculate your monthly consumption
Other living expenses
(Month)
laundry services, hairdressers and beauticians, Eye care e.g. lenses, Dental care e.g. special preparations
Insurance & Bank charges
Insurance coverage
(Month)
Include costs for different types of insurance eg life insurance, health insurance, critical illness insurance, dental cover, payment protection, pet health, income protection etc. Do not include the cost of your home and car insurance.
Pay off loans (do not include mortgage and car/motorcycle) & credit cards
(Month)
Enter the monthly repayment amount of your loan(s). Do not include home and car loans in this category.
Savings & investments
(Month)
Enter here the amount you are depositing in a savings or other deposit account
Other expenses
(Month)
eg bank account charges, private pension contributions, financial and legal advice etc.
Family expenses
Childcare / school fees
(Month)
Enter the amount you spend on kindergarten, private school, nanny, or other services for the custody and care of your children.
Extra Tuition
(Month)
Enter the full amount you pay for tuition
Children's activities & games
(Month)
The amount you spend on children's groups, clubs and other activities you pay for your children.
Pocket money
(Month)
If you give your children a certain amount of money each week for their small expenses, enter the amount here.
Child support and expenses in case of divorce
(Month)
Enter the full amount of child support you pay your ex.
Pet expenses
(Month)
Pet food, veterinary and other expenses. Do not complete this category if you have already counted it in your shopping.
Other expenses
(Month)
support to other relatives (e.g. nursing home), repayment of financial assistance from friends/relatives, etc.
Transportation
Car/motorcycle loan repayment
(Month)
enter your monthly vehicle loan repayment amount.
Motor fuels
(Month)
Fill in the amount you spend on fuel.
Vehicle security
(Month)
Fill in the amount you spend on your vehicle insurance
License fees
(Month)
Fill in the amount you spend on your vehicle's annual registration
Maintenance, repairs & MOT
(Month)
Fill in the amount spent annually on the mechanical maintenance and repair of your vehicle
Other Transportation costs
(Month)
eg vehicle hire, bus fare, taxi, air travel, parking fees, fines
Gambling expenses
How much money do you spend on casino games?
(Month)
Slot machine, Card games like poker etc., roulette
How much money do you spend on betting?
(Month)
Sports betting, Keno, Bingo, Horse racing betting, lotteries (lotto, joker, super 3 etc.)
How much money do you spend on other betting products?
(Month)