Budgeting

A budget is a plan for your money before the month starts, so you decide where it goes instead of wondering where it went. Start with a simple split like 50/30/20, track for one month, then adjust.

Guides on budgeting

GuideHow to make a budget: a beginner's guideHow to make a budget in five simple steps: find your real income, list your costs, pick a method that suits you, plan for irregular bills and check in monthly.
ExplainerZero-based budgeting: what it is and how to startZero-based budgeting gives every euro of your income a job until nothing is left unassigned. See how it works, a full €2,600 example and how to start this month
Calculator + guideThe 50/30/20 rule explained (with budget calculator)The 50/30/20 rule splits your take-home pay into needs, wants and savings. Learn how it works, see a worked example, and plan your own split with the free calculator.