Calculator from your statementReady in 5 minutes

Disposable income calculator from your bank statement

Upload your bank statement and review transactions and categories. The calculation is based on actual transactions, not guesswork.

Start the calculation

No login required • Ready in 5 minutes

You can upload bank statements and review transactions and categories without payment. The key figures, disposable income, and the PDF and Excel report are unlocked with purchase.

See pricesSee an example report

  • Upload statement

    CSV, XLSX, OFX or PDF from your bank

  • Ready in 5 min

    Automatic analysis

  • Safe to use

    We never ask for your bank login

  • Bank-ready report

    Professional documentation

How the calculator works

1

Upload bank statement

Download your bank statement from your online bank as CSV, XLSX, OFX or PDF and upload it here.

2

Automatic analysis

Our system categorizes your transactions and calculates your disposable income.

3

Unlock the result

The key figures, disposable income, and the PDF and Excel report are unlocked with purchase.

Why use our calculator?

Based on actual numbers

Calculated from your bank statements. Review individual transactions and the average for your selected period.

You can see what happens to your data

You choose the statements to include. We never ask for access to your online banking. Read about the processing of your information on the data page.

How we handle your data

Documentation you can hand over

Generate professional documentation for loan applications and bank meetings.

Review before purchase

Upload statements and review transactions and categories without payment. Figures and report unlock with purchase.

How banks evaluate your disposable income

When you apply for a loan or credit, the bank looks at more than just your number. Here's what they focus on:

  • Stability over time, does your disposable income fluctuate a lot from month to month?
  • Documentation, can you prove the numbers with bank statements?
  • Buffer, do you have a margin for unexpected expenses?
  • Consistency, does your spending match your income?
Read more about disposable income for banks

What the arithmetic looks like

A made-up example showing how the figures fit together. These are not user figures and not an official minimum.

Example

Monthly income
DKK 30,000
Fixed costs
− DKK 12,000
Disposable income
DKK 18,000
Variable costs
− DKK 6,000
Left to save
+DKK 12,000

You find your own figure by uploading your bank statement.

How Reelt calculates the figureDisposable income and the bank

Frequently asked questions

What does the disposable income calculator cost?
You can upload bank statements and review transactions and categories without payment. The key figures, disposable income, and the PDF and Excel report are unlocked with purchase.
How do you calculate my disposable income?
We analyze your actual bank transactions and categorize them automatically. Your disposable income is what's left after all fixed expenses are deducted from your income.
Is my bank data secure?
You upload the file yourself and do not give Reelt access to your online banking. Documents and information may be processed by external processors. If you are signed in, the analysis can be saved to your account. See the data page for processing, storage and deletion details.
What is a good disposable income for banks?
There is no single minimum for every loan. The bank assesses your finances and ability to repay individually. The Danish Debt Agency's public-debt collection rates are not the bank's minimum requirements. Ask the bank which information it needs for your situation.
Can I use the calculator for a mortgage?
Yes. You get a documented overview of your finances that you can bring to the bank, with the calculation basis shown so the advisor can see how the figure was reached.
How many months of data should I upload?
We recommend at least 3 months to get a representative average. 12 months of data gives the best picture, as it captures seasonal variations like holidays, vacations, and annual bills.
How are you different from other budget apps?
Reelt uses your actual bank transactions. You can review and correct categories without payment. The key figures and calculation explanation unlock with purchase.

Ready to see your real disposable income?

Upload your bank statement and start by reviewing transactions and categories.

Start the calculation
What is disposable income?·See examples·All guides