Moving in / A connected starting plan

New keys. A little plan.

Keep the cash needed for the keys separate from what life will cost each month. Work through a first-flat example, then replace the prices with your lease, bills and quotes.

The money for the move

Start with the first rent payment, deposit, moving costs and setup charges. The calculator also shows rent plus your entered utilities as a separate monthly figure.

Editable starting example

First flat

€1,000 rent, one-month deposit.

See the exact assumptions

Example: €1,000 monthly rent, one-month deposit, €300 final agency fee, €100 moving, €200 setup and €100 monthly utilities.

Open example preview : First flat in rent-move-in, opens in a new tab
Take forwardSave the upfront total and its breakdown. Note which parts are potentially refundable and when each payment is due.

The first month of rent is already in the upfront total. Do not add it again when working out the cash needed to move in. Deposit terms and fees in the example are not Malta rules.

A cupboard to start with

Try a small two-person cupboard selection using dated, matched packs. Edit quantities and replace prices with your receipts or checkout amounts.

Editable starting example

Cupboard for two

A small shared selection: seven packs.

See the exact assumptions

2 × 1 L milk, 1 × 1 kg spaghetti, 1 × 1 kg rice, 2 × 400 g tomato tins and 1 × 250 g spread. Sugar set to zero. Not a complete weekly shop for two.

Open example preview : Cupboard for two in groceries, opens in a new tab
Take forwardKeep this selected basket separate from the rest of your food budget. Add fresh food, household items and delivery only if you need them.

This is not a full weekly shop or a dietary plan. Missing prices keep a store total incomplete. Do not treat a known subtotal as a whole basket.

The monthly household

Bring recurring rent, utilities, food and transport into the household budget. This example only sets an equal two-person split; it keeps the amounts and periods already entered.

Editable starting example

Share between two

Split your existing costs equally in two.

See the exact assumptions

Two people sharing the entered household costs equally. All cost amounts, periods and income stay unchanged.

Open example preview : Share between two in budget, opens in a new tab
Take forwardUse the monthly rent and utilities from your first tool, plus your other recurring figures. Save this report separately from the move-in cash report.

If your rent includes a bill, avoid adding that bill again. Do not put the whole upfront move-in total into a recurring monthly row.

The connection, over its term

Compare an introductory price with a flat monthly quote over the same time period. Include the setup and equipment charges that actually apply.

Editable starting example

Intro offer or flat fee

24 months, including setup costs.

See the exact assumptions

Example over 24 months: A is €20/month for 6 months then €30, plus €30 setup. B is €28/month plus €50 equipment. Other fees are zero.

Open example preview : Intro offer or flat fee in mobile-broadband, opens in a new tab
Take forwardUse the comparison to plan the total commitment. Keep one-off fees in the upfront plan and recurring payments in the month when they fall due.

The effective monthly average spreads fees over the comparison period. It is not necessarily the amount that will appear on each monthly bill.

The useful bit to keep

Two useful totals, kept separate.

  • Keep one report for upfront cash and another for the recurring household budget.
  • The examples are starting points. A lease, actual quote or bill should replace an assumed price.
  • Tools do not transfer values between tabs. Copy the relevant figure deliberately and check that it is counted once.

Keep this starting checklist, or share the public plan. Your calculator results stay in their own tabs. Download those separately once you have entered your figures.