Loading the next useful route.
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Pressure-test monthly life, landing cash, and runway without pretending one number makes the decision.
Berlin is loaded as the baseline. Pick your city below, or open Costs from a city page to carry that context in.
01 · Choose your city
Choose one city and tune the plan below. You can add a second city whenever you want to pressure-test the same setup.
Are you moving into a new home?
Display every result in
Current plan
Berlin lands at about 1.850 € per month for this setup.
Plan roughly 2.800 € before month one; every assumption stays editable below.
One-person planning baseline · no car · excludes health insurance, taxes, and visa costs.
Checked anchors can be official rules, operator fares, market reports, or price-index baselines.
Currency rates checked 04.06.26. Bank/card rates can include spreads and fees.
12 checked source anchors · 0 community pricing inputs · Medium confidence · snapshot 2026-08-21; Checked sources cover Mietspiegel and IBB asking-rent pressure, Deutschlandticket, German deposit rules, health-insurance setup, and official Germany price baselines; furnished newcomer rent still needs stronger checks.
Source-backed anchors: Rent, transit, deposits, food price-index baselines, utilities/energy baselines, health-access rules, and non-rent city scaling have reviewed source checks for every live city.
Official price-index spine: Food, utilities, health, and non-rent scaling are checked against official country-level price-index anchors. Direct receipts, checked carts, and accepted local pricing feedback can challenge the model, but supermarket scraping is not part of the recurring maintenance workflow.
Modeled planning lines: Social plans and extras/subscriptions remain rounded lifestyle estimates, not directly source-backed categories.
02 · Monthly life
Start with housing and a lifestyle baseline. The category-by-category model stays available when you want to pressure-test the details.
Apply a visible starting point, then change any category below. Every selected tier is part of the total.
Save where it matters, but actually use the city.
Your Berlin plan
1.850 €
per month
Rent share
38%
Landing cash
2.800 €
+ 3 months
8.350 €
+ 6 months
13.900 €
Runway after landing
Add your available cash below.
Your 3- and 6-month planning targets update with every choice.
Berlin
Estimated monthly burn
1.850 €
/ mo·≈ 22.200 € / yr
One-person, no-car planning estimate. Health insurance, visas, taxes, and one-off housing costs are outside the monthly total. Use ⓘ for local notes and methodology.
Start with the housing setup you would actually accept in month one.
These are mid-market comparison anchors, not deal-hunting targets. Real rent depends on neighborhood, timing, lease type, and whether the place is shared, furnished, temporary, or long-term. The middle tier means a small solo setup, not necessarily the median bare studio. Furnished and short-let places often run above these tiers. "1-bedroom+" often maps to a small 2-room flat in many European listings.
Furnished sublet or short-let? Treat this as a floor, then add a buffer.
Fine-tune monthly spending
Adjust food, transport, social plans, bills, care, and extras only if the baseline misses your life.
Mix · Groceries plus cafes or takeaway.
Selected food line maps to roughly 110 €/week before one-off pantry stock.This is model output, not a supermarket receipt or full meal plan.
Food estimates are checked against official country-level price anchors, primarily Eurostat PPP/HICP data for EU countries, ONS inflation-basket data for London, and Swiss FSO CPI methodology for Zurich. Store receipts or checked carts can still be reviewed as pricing feedback, but supermarket scraping is not the recurring maintenance workflow.
Transit pass · Monthly public-transport anchor.
Some nights out · Regular coffees, drinks, and events.
Standard · Normal household bills and subscriptions.
Gym · Gym or sports pass plus basics.
Normal · Everyday apps, work tools, and replacements.
03 · What it costs to land
A city-specific upfront-cash buffer and your selected rent create the baseline. Travel and furnishing stay at zero until you add them.
Not included: visa, legal, tax, or insurance costs.
Berlin
2.800 €
3 months of rent buffer + first month.
Berlin
04 · How long your buffer lasts
Add the cash you can actually use. JMTE subtracts landing costs, then shows how many months remain.
JMTE subtracts the deposit/upfront buffer, first month, travel, and setup, then divides what remains by the recurring monthly burn.
Use money available now—not future income, expected funding, or a credit limit.
Your runway after landing
Berlin
Add cash to see runway.
Each target covers landing cash, then the selected number of full months.
Berlin
3 months
8.350 €
6 months
13.900 €