Clear budget planning is the foundation for financial security and flexibility. With our budget planning services, we analyze your income and expenses to provide transparency regarding your financial situation. Together, we develop a tailored plan that supports your goals and helps you avoid financial bottlenecks. Use our budget calculator to independently review your finances and take the first step toward a structured financial plan. This way, you not only maintain an overview of your finances but also create room for your future plans.
A long-term investment strategy begins with a clear picture of your financial starting point. Budget planning forms the foundation of that starting point, as it creates transparency around income and expenses – and shows how much capital is actually available for targeted investments and smart financial decisions.
A key factor here is the savings rate: how much of your income remains after expenses – and can be invested long-term or set aside for future goals?
A well-structured budget is not an end in itself, however. It is the first building block of a comprehensive financial architecture. Once there is clarity about income, expenses, and savings rate, the next step is our Holistic Wealth Advice – a structured overview of all assets and liabilities.
Thus, budget planning creates the necessary foundation to develop a complete picture of your overall financial situation – it is the basis for sound and sustainable investment decisions. In planning your budget, we capture not only fixed and variable costs, but also fluctuations and non-recurring items.
The first meeting is always non-binding and free of charge.
These pages help you plan further. You will find all financial calculators in the calculator overview.
With our budget calculator, you can easily find out which items need to be considered and where you have the greatest savings potential.
The smzh savings calculator shows you how regular saving affects your wealth.
As an independent financial partner, smzh ag offers:
We handle questions such as those shown on the right on a daily basis. You don’t need to deal with them by yourself – the initial consultation of our 360° Check-Up is free of charge and non-binding.
As detailed as necessary, but as simple as possible. The goal is a realistic picture – not perfection.
At least once a year or when major changes occur (e.g., job change, new family member, relocation).
Then we’ll analyze your spending structure together with you and identify optimization opportunities. Small changes can often make a big difference.
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