What does your coffee really cost?
One €3 coffee a day adds up to more than €1,000 a year. Here is how Pennoway makes small expenses visible.
The 50/30/20 rule, simply explained
50% needs, 30% wants, 20% savings: a simple rule to take back control of your budget.
The 50/30/20 rule splits your monthly income into three envelopes.
The three envelopes
- 50% needs: rent, groceries, transport, bills
- 30% wants: going out, shopping, subscriptions
- 20% savings: emergency fund, projects, debt
Apply it with Pennoway
At the start of each month, Pennoway asks for your income and computes your daily allowance automatically.
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