No expense tracking required: if you know what you had at the start of the year, what you took home each month, and what you have now, the difference reveals what you saved (or spent beyond your income) — and from that, both the savings rate and the average monthly spend fall out by subtraction.

🇵🇹 In Portugal, most employees receive 14 payments a year rather than 12 — subsídio de férias and subsídio de Natal add up to two extra months' pay. If you enter your regular monthly salary here, the annual income (and so the savings rate) will be understated; for an accurate result, enter your real average instead — total yearly net income ÷ 12 — which already folds the subsidies in.