Fixed costs
Recurring expenses with a predictable amount and known due date — rent or loan repayment, insurance, telecom subscriptions, flat-rate utilities, council tax. By definition they vary little from month to month and are not renegotiable in the short term without a contract change.
Why It Matters
They form the incompressible base of any budget. Until you know the exact total of your fixed costs, you cannot compute either your disposable income or your saving capacity. Ankora auto-detects them from recurring transfers.
Concrete Example
Rent 750 € + car insurance 42 € + health insurance 18 € + internet 45 € + electricity 95 € + streaming subs 25 € = 975 €/month in fixed costs.