Housing, food, clothing: This is what the average person spends per month to live on

In the video: This is how much money should be in the checking account

Does your cost of living seem high? Read here what the average person in Germany spends on housing, food, clothing and leisure time.

The cost of living is still high. For many people, it's not that easy to make ends meet at the end of the month - let alone save money. According to the long-term study “Fears of Germans”, a total of 40 percent of those surveyed are afraid of not being able to maintain their standard of living.

As part of the R+V Infocenter's long-term study, around 2,400 people have been asked about their greatest fears every year since 1992. This concerns the areas of health, politics, economics and society.

But how much money does the average person actually have to live on and how much money do you really need to make ends meet and save some money?

Also read:

Average cost of living

To find out how much you currently need to live on, it's worth taking a look at average consumer spending. The basis for this are figures from 2022, which are available on the website ofFederal Statistical Officewere published.

Accordingly, there was an averageMulti-person households spend an average of 2,846 euros per month on private consumption.At 1,025 euros, the highest share fell on the housing, energy and housing maintenance segment.

German households spent 417 euros a month on food and tobacco products. Germans spent the third most on transport at 347 euros.

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Spending on leisure, sports and culture came in fourth place at 245 euros. 177 euros fell on the catering and accommodation services sector, closely followed by spending on interior fittings and household appliances
and items with 170 euros.

The remaining expenses are only just above or below 100 euros.

Health:118 Euro
Clothing and shoes:103 Euro
Other goods and services: 96 Euro
Educational services:19 Euro
Insurance and financial services: 7 Euro

All of these expenses are necessary costs. However, the numbers mentioned are only average values. Some of the costs are significantly more variable than others. While in some areas it is very difficult to save money, in other areas it is a little easier. However, this is also individual.

The Sparkasse offers oneHousehold calculatorwhich can be used to calculate your total monthly expenses and how much you have left over for free use at the end.

This can be made clear using an example calculation:

A person lives alone in a rented apartment that costs them 800 euros per month. Your net income is 2000 euros. She has a car. According to the calculator, your total expenses are €1,800.00. Of this, 1000 euros are living costs after deducting rent. This means she still has 200 euros at her disposal, which she can use to save money or something similar.

If you want to save money in the long term, it's worth having a budget book (is available here on Amazon)* to lead. This allows you to specifically identify savings potential by listing your income and expenses in detail.

You can find more exciting money topics here:

In the gallery you will find 5 job facts that you definitely didn't know:

Right to days off to look for a new job.

If you have been terminated or are resigning yourself, you are entitled to paid time off for job interviews or other professional activities.

Right to a qualified job reference.

When your employment relationship ends, your employer must give you a written reference that assesses your performance and behavior on the job.

Right to privacy in the workplace.

Your employer is not allowed to read your emails, check your browser history or listen to phone calls without your consent.

He is also not allowed to search your bags or closets without a good reason.

Right to participate in company parties.

If your employer organizes a company party, you don't have to sacrifice any vacation days or work overtime.

Participation in a company party is considered working time and must be remunerated accordingly.