🔑 Guide

First apartment France: deposit, agency, furniture, first rent

Published by Saveet · Updated April 2026

The first lease is a cash event, not a monthly budget. If you only plan rent, the deposit and a bed will still hit in the same week.

💡 Example envelope: 4,070 EUR all-in for an unfurnished T2 around 42 m2 outside the most expensive streets. Deposit 650 EUR, agency 546 EUR, first rent 750 EUR. Paris will need more. Adjust.

Example amounts for planning only. Adjust every category to your city, income, and obligations. This is not financial or religious advice.

In this guide

  • One-off move-in envelope: deposit, agency, first rent, furniture, buffer.
  • Pay sleep and cooking before decor.
  • Example 4,070 EUR all-in, more in Paris.
  • Not a quote for agency fees or Visale.

📊 Interactive budget template

Adjust to your income

Total event budget

4,070 €

EUR

Category breakdown

  • Deposit

    16.00%

    650 €
  • Agency fees

    13.40%

    546 €
  • First rent

    18.40%

    750 €
  • Furniture

    29.50%

    1,200 €
  • Kitchen & setup

    9.80%

    400 €
  • Insurance & utilities

    3.70%

    150 €
  • Move-in buffer

    9.20%

    374 €

No currency found

Total event budget 4,070 €

Hover chart slices to see each category

Category breakdown

Unallocated:

List the cash that must exist before you sign: deposit (often one or two months of rent depending on furnished vs unfurnished and current rules), possible agency fees, first rent, and sometimes the last month in advance. Then list the cash of the first two weeks: mattress, a way to cook, assurance habitation proof, electricity or gas opening, internet installation. Visale or a family garant changes the guarantee story; it does not pay IKEA. Keep receipts. This is a ceiling for a move, not a shopping challenge.

Order of payments that avoids panic

  • Lock the deposit and first rent in a separate account before visiting twenty flats.
  • Buy sleep and cooking before decor. A lamp can wait; a fridge usually cannot.
  • Schedule assurance habitation so the landlord gets the attestation on time.
  • Keep 10 to 15 percent of the envelope unspent until after the état des lieux.
  • The month after move-in, switch to the monthly France household template so the one-off envelope does not become your lifestyle.

If you are several roommates, split this envelope in writing before anyone pays the agency. Combine with the rental-charges guide so the first electricity bill is not a surprise, and with the student guide if a bourse is part of the story.

Build this budget in Saveet

Use these categories as a starting point, then create your own budget in the app and track spending from your phone.

Download Saveet

Frequently asked questions

Furnished vs unfurnished?

Furnished often means a smaller deposit and less furniture cash. Unfurnished needs a bigger furniture line. Change the amounts; do not copy a friend blindly.

Do agency fees always apply?

Not always, and caps exist in law for some fees. Check the listing and current rules. This template is not a legal quote.

Can I use this for a move inside France?

Yes. Drop agency if there is none. Keep deposit differences if the old one is returned late.

Is Visale included as cash?

No. Visale is a guarantee, not money in your account. Still budget furniture and first rent.

Related budget guides

Ready to start with Saveet?

Free install. Takes less than 2 minutes.

Download Now