About Nibud

Nibud (National Institute for Family Finance Information) is an independent foundation. The national government and the private financial sector finance around 30% of the projects. The rest is financed by the revenues of Nibud products. Its goal is to promote a rational planning of family finances, these contributing substantially to family welfare in Nibuds opinion.

Pursuing its goal

Nibud pursues this goal by offering advice, information and education. Not only directly to all individuals and households but also indirectly through a wide range of professional intermediaries like public servants (debts), teachers and consultants in the fields of mortgage, insurance, savings and loans.

Individuals and households are addressed through the mass media using free publicity and products concerning family budget subjects. Nibud supports the intermediaries by means of an annual budget handbook (including a large number of reference budgets) and software. Furthermore, Nibud offers instruction facilities for these professionals.

Special attention is given to the stimulation and supporting of budget education in schools. Also Nibud is the main partner in a large scale biannual survey amongst youngsters.

Nibud was founded in 1979. Offices are based in Utrecht. Nibud employs a staff of 30.


Nibud is a member of the European Consumer Debt Network (ECDN). The network’s goal is to fight and prevent excessive debt and promote social inclusion. The ECDN issues the magazine Money Matters. Nibud has no direct sister organizations in European countries. However, if you would like more information regarding other European countries, see the list of ECDN members.

More information on the ECDN and its projects can be found on ecdn.eu.


The European funded ABACO project aims to perform a strategy to face the problem of lack of financial education for vulnerable adults and migrants in South Europe. Target of the project is vulnerable people. The project will have a direct impact on their lives since it will help them to make better financial provision for unforeseen situations, invest wisely, and avoid the pitfalls of payment fraud.

The project strives to adapt methodologies and contents developed by Nibud in order to make them usable by partner organizations in their national contexts (Italy, Spain Portugal and Greece).

Read more on Abaco by downloading Abaco reading materials.

Reference budgets for social inclusion

This project was funded by the European Community Programme for Employment and Social Solidarity Progress 2007-2013. Reference budgets are patterns of expenditure for different types of households to live at a designated level of well-being. Based on household composition, disposable income and other characteristics (like housing and the possession of a car), such a budget reflects the circumstances of an individual family unit.

This project had the aim of promoting the construction and use of standard budgets as instruments with which to prevent and tackle excessive debt and financial exclusion in a variety of countries throughout Europe. For more information, see referencebudgets.eu.

The fight against financial exclusion

EFIN bases its actions upon the objective to tackle financial exclusion, which refers to “a process whereby people encounter difficulties accessing and/or using financial services and products in the mainstream market that are appropriate to their needs and enable them to lead a normal social life in the society in which they belong”.

The European Financial Inclusion Network (EFIN) is a coalition of European stakeholders (institutions and individuals) involved in financial inclusion, including:

  • European networks active in a more specific area of financial inclusion
  • Public institutions
  • Trade Unions
  • NGOs
  • Universities and Research institutes
  • Consumer protection organisations
  • Financial education practitioners
  • Debt counselling organisations representatives
  • Financial Institutions
  • Bank Associations

The aim is to increase and format available data & develop use of indicators to monitor financial exclusion, to provide regular assessment of financial inclusion based on available indicators and to identify and evaluate policy measures with a positive impact on financial inclusion and to highlight the impact of financial inclusion policies on wider social inclusion.

The aim is to increase policy makers awareness and information on policy measures to promote financial inclusion and to develop and promote European, national, regional and local strategies.

Information available in English

In 2008 Nibud developed a Buffer Calculator to provide Dutch households a general idea of the amount of money similar households have in their savings accounts. The economic crisis has probably changed households’ financial behaviour – a good reason to recalculate the reference amount for households’ savings accounts in the light of the most recent data. Households’ saving patterns have also been examined.

Competences for financial empowerment

A continuously increasing number of statements are based on competences for properly handling money. This requires a general description and elaborated support for the competences.

These competences form the basis of Nibud’s information and recommendations to all consumer groups. In addition, the competences are also ready for use in the professional field. The competences have been elaborated in such a way that it is easier to use them to define how well a person is able to manage his finances. According to Nibud, a person is financially empowered if he makes well-considered choices in such a way that his finances are balanced, both in the short and long term.

The minimum agreed upon

What does the concept of poverty mean? What kind of shelter, diet, clothing, participation and recreation does one need in order not to be poor? And what monthly budget is currently required to afford these necessities in the Netherlands? Four focus groups met to discuss such issues. Each group developed a common point of view that was elaborated in detailed consensual budgets for various types of household. This report also discusses the merits of the approach for poverty research and budget counselling.

Read the report here.

Handbook of Reference Budgets

The Handbook of Reference Budgets is the outcome of the Standard Budgets project, which was set up with the aim of promoting the construction and use of standard budgets as instruments with which to prevent and tackle excessive debt and financial exclusion in a variety of countries throughout Europe.

Course: Managing money

The Nibud-course Managing money has a modular set-up and thus can easily be adapted to the needs of your participants. In the teachers manual you will read how this can be done. Furthermore you will find a commentary of all separate modules. The commentary always consists of the aim of the module, extra exercises and background information. All modules are also available in English, please contact our office for more information.

Budget form

The Nibud has developed the Budget form for use of mortgage-consultants. The form can be printed and handed out to clients. By filling out this form, it becomes clear what the effects are on household finances when selecting various types of home loans. The form has been developed for use in the Netherlands and is not applicable to other countries.

Nibud research

The Nibud researchers regularly carry out surveys in order to analyse trends, developments and new insights on the field of household finance.

Intermediate vocational students and money 

On leaving secondary school, young people in the Netherlands can move on to intermediate vocational education (middelbaar beroepsonderwijs or MBO), higher vocational education (hoger beroepsonderwijs or HBO) or university.

Vocational education (MBO or HBO) provides training for specific professions. Young people move on to MBO from about 16 years of age, after completing four years of secondary education. MBO is divided into a work-based track and a school-based track. The focus of the work-based track is ‘learning on the job’: students spend most of their time working and attend school for one or more days a week. The focus of the school-based track is the other way round: students attend school for about four days a week and in addition receive practical training.

This study looks at the financial behaviour of MBO students: their income, expenditure, saving patterns and debts, and how they manage money. The study is representative of the Netherlands.

Financial attitudes and skills as early-warning signs of financial problems

Research by Tamara Madern & Anna van der Schors

On at least one occasion in 2011, nearly half of all Dutch households failed to pay a bill on time, were unable to withdraw money from a bank account, had earnings attached or had power cut off. Failure to pay the occasional bill on time is not a serious matter, but if arrears of payment accumulate and people can no longer meet their financial obligations, not only they but also those around them – and ultimately the rest of society – will suffer.

An earlier study has shown that one Dutch household in ten is at risk of getting into problem debt. It is therefore important to tackle financial problems as early as possible, and ideally to prevent them from arising in the first place. In order to deal with such problems effectively, we need to know who exactly is involved. Who are the high-risk groups for financial problems?


Nibud-employees are experts in the areas of purchasing power, financial education, debt prevention and financial behavior of households. If you would like to know more about Nibud, its products or projects, please contact us or call (31)30 – 2391 350 during office hours.


U kunt op verschillende manieren contact opnemen met het Nibud.

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Robin Stoof

Robin Stoof

Jr. Wetenschappelijk medewerker


Astrid Rutten

Astrid Rutten