Utilities calculator
Estimate electricity, gas/heating, water, internet and fixed fees in one monthly bill.
Open calculator →Household bills • updated June 2026
Utilities and household bills in Europe
Rent is only one part of housing cost. Use this hub to estimate electricity, gas or heating, water, internet and fixed home bills before comparing apartments or moving countries.
Reviewed: June 2026Planning estimateProvider-specific bills vary
Start with the full monthly housing cost
A cheap rent can become expensive when heating, electricity or building fees are high. Use utilities as a separate budget line and keep a winter buffer where heating is seasonal.
Electricity cost calculator
Use kWh consumption and a price per kWh to estimate monthly and annual electricity cost.
Calculate electricity →Heating cost calculator
Plan a heating-season reserve for gas, district heating or other building-specific heating costs.
Estimate heating →Country utility guides
Poland
Plan electricity, heating, water and internet before comparing rent in Poland.
Open guide →Germany
Plan electricity, heating, water and internet before comparing rent in Germany.
Open guide →Romania
Plan electricity, heating, water and internet before comparing rent in Romania.
Open guide →Czech Republic
Plan electricity, heating, water and internet before comparing rent in Czech Republic.
Open guide →Spain
Plan electricity, heating, water and internet before comparing rent in Spain.
Open guide →Portugal
Plan electricity, heating, water and internet before comparing rent in Portugal.
Open guide →What to check before renting
- Ask what is included. Check whether electricity, heating, water, waste, building fees and internet are included or paid separately.
- Request the last bill or average advance. Older buildings can have a very different cost profile from new apartments.
- Separate summer and winter months. Heating and air-conditioning can change the monthly budget sharply.
- Keep a reserve. Use a buffer for annual meter settlements, deposit, setup fees and tariff changes.
Why this matters for salary decisions
If rent takes 35% of net income and utilities add another 8–12%, the budget can become tight even when the rent looked acceptable. The safer route is to check rent, bills, food, transport and emergency reserve together.
Check affordability →FAQ
Sometimes. In many rentals part of the bill is paid as an advance or service charge, while electricity, gas, internet or meter settlement may be separate.
Yes. It is designed for screening a rental offer before you commit, especially when the advertised rent does not show the full monthly housing cost.
No. PayMap uses simplified planning defaults and user-entered values. Energy prices depend on provider, contract, meter, tax, building and season.
Plan transport cost too
Before choosing a cheaper apartment or a longer commute, compare car cost, fuel and transport pressure with your net salary.
Official data and verification
Use the calculator as a planning estimate and verify current figures, definitions and rules with official statistics before making a financial decision.