Saving capacity
The maximum amount a household can set aside each month without cutting into its baseline standard of living. Calculated by subtracting all fixed and recurring variable expenses from net income. A key financial health indicator, distinct from the balance that happens to be left at month's end.
Why It Matters
Many people confuse "I have 200 € left at month end" with "I have 200 € saving capacity". Ankora isolates the real structural capacity — the one you can automate without pain.
Concrete Example
Net monthly income 2 500 €, fixed costs 1 400 €, average variable costs 700 € → saving capacity ≈ 400 €/month. To automate on payday, not at month end.