Build the record before choosing percentages
Wijzer in geldzaken provides information about organising financial records and keeping a household spending record. Use your own statements to identify recurring payments, irregular bills and flexible purchases. Categories should help you explain the figures rather than create a target detached from what you actually pay.
Check whether household members have already included the same shared expense. Transfers between your own accounts are not extra income. If you set aside an annual-bill reserve in a separate account, keep its purpose visible so it is not counted again as unallocated savings.
Use confirmed net income and due dates
Start from the income available for the period. Keep allowances, irregular receipts and annual adjustments separate until their amount and timing are established for your circumstances. These tools do not calculate Dutch payroll, benefits, pension contributions or income-tax effects.
A monthly budget can look balanced even if a large payment falls before income arrives. Keep a short calendar of due dates beside the totals. For a bill due in fewer than twelve months, use the number of contributions remaining rather than automatically dividing the amount by twelve.
A fictional EUR household worksheet
The example below reserves annual costs before a chosen savings contribution. The amounts are invented, assume no return and exclude unexpected expenses. They are not Dutch benefit figures, official spending standards or advice to use a particular savings product.
| Monthly allocation | EUR |
|---|---|
| Take-home income | €3,600.00 |
| Regular household costs | €2,100.00 |
| Existing commitments | €200.00 |
| Annual bills: 4,800 ÷ 12 | €400.00 |
| Available after listed costs | €900.00 |
| Chosen goal contribution | €600.00 |
| Unallocated after that contribution | €300.00 |
With no assumed growth and no starting savings, a €7,200.00 goal takes 12 monthly contributions of €600.00. This excludes taxes, fees, changing prices and missed contributions.
Use the next statement to improve the plan
Compare the record with your plan after the month ends. Mark whether differences are permanent, seasonal or one-off before changing the next budget. A spending record is most useful when it helps explain a result, rather than when it forces every month to look identical.
For borrowing, compare actual fees and the repayment schedule outside the no-fee loan illustration. The EUR label does not apply local tax deductions or legal product rules. Review your own assumptions when income, household commitments or a quoted cost changes.
Try the calculators
Use each tool only for its stated assumptions. These links do not carry any financial inputs.
- Monthly budget — Illustrative planning formula; excludes local taxes, fees and product-specific terms.
- Savings goal — Illustrative planning formula; excludes local taxes, fees and product-specific terms.
- Loan repayment — Illustrative planning formula; excludes local taxes, fees and product-specific terms.
Questions about this guide
Does the worksheet calculate allowances or mortgage tax relief?
No. Establish applicable amounts separately.
Should transfers between my own accounts count as income?
No. They move existing resources and should not be counted twice.
Official sources and corrections
References provide background or the specific disclosure context described above. They do not verify the fictional example as a product offer, certify Numbriv, or cover every individual or legal scenario. Sources checked 2026-10-16; check current official text and the actual product documents before relying on a rule.
Report a correction · Editorial responsibility · Financial disclaimer
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