National Institute for Family Finance Information (Nibud)

Nibud, the Nationaal Instituut voor Budgetvoorlichting (National Institute for Family Finance Information), is an independent, non-profit foundation based in Utrecht, the Netherlands. Founded in 1979, it informs and advises on the financial affairs of private households. Its stated mission is to contribute to family welfare by promoting sound money management. The organization works both for consumers directly and for professionals in government, financial services and social services whose policies, advice or education affect household budgets. Nibud is a knowledge centre on the financial situation and financial behaviour of households. It researches trends, developments and new insights in consumer household finances. Its research audiences range from average private households to vulnerable groups such as people on minimum incomes, the elderly, the sick and disabled, school pupils, school leavers and the self-employed. The institute is especially known for its themes of pocket money (zakgeld), clothing allowance (kleedgeld), board money (kostgeld) and alimony (alimentatie). It publishes guidelines for pocket money and clothing allowance amounts and informs consumers about the financial consequences of divorce, and it offers extensive information for parents about financial upbringing. Budgeting and budget advice are another central topic. Nibud describes itself as a well-known and respected independent foundation. It is non-profit: the national government and the private financial sector finance around 25 percent of its projects, while the rest is financed by revenues from Nibud products and services. Its office is in Utrecht and it employs a staff of 35. Employees are specialists in micro-economics, debt help, financial behaviour, fiscal law, financial education and communication. Nibud translates its knowledge and expertise for professionals who deal with household financial matters. Its offerings include research and consultancy, reference budgets and calculation tools, and educational materials. On its public website it provides purchasing-power calculations, guidance on expenditure, housing, making ends meet and pensions, and news about household purchasing power. It also works with partners and participates in national and international projects and networks.

Nibud was founded in 1979 as the Nationaal Instituut voor Budgetvoorlichting, an independent foundation dedicated to informing and advising on the financial affairs of households. From its base in Utrecht, it developed into a knowledge centre on the financial situation and financial behaviour of households, researching trends, developments and new insights in consumer household finances. Over the decades, Nibud became especially known for its themes of pocket money (zakgeld), clothing allowance (kleedgeld), board money (kostgeld) and alimony (alimentatie). It publishes guidelines for pocket money and clothing allowance amounts and informs consumers about the financial consequences of divorce, alongside extensive information for parents about financial upbringing. Budgeting and budget advice are another central topic. The organization describes itself as a well-known and respected independent foundation. It is non-profit: the national government and the private financial sector finance around 25 percent of its projects, while the rest is financed by revenues from Nibud products and services. It employs a staff of 35, with specialists in micro-economics, debt help, financial behaviour, fiscal law, financial education and communication. Nibud works both for consumers and for professionals in government, financial services and social services whose policies, advice or education affect household budgets. It translates its knowledge into research and consultancy, reference budgets and calculation tools, and educational materials. It participates in national and international projects and networks. Its public website offers purchasing-power calculations, guidance on expenditure, housing, making ends meet and pensions, and news about household purchasing power, including analyses such as the 2027 purchasing-power decline and the Nibud Annual Report 2025.

• 2026

  Nibud publishes analysis showing purchasing power falls for most households in 2027, the first decline since the 2022 energy crisis.

• 2026

  Nibud publishes its Annual Report 2025, described as a year of change.

• 1979

  Nibud founded as the Nationaal Instituut voor Budgetvoorlichting, an independent foundation.

Independent, non-profit knowledge centre and information provider on household finances in the Netherlands, serving both consumers and professionals.

• Reference budgets and calculation tools

  Tools and reference budgets used by professionals and consumers to assess household budgets.

• Guidelines for pocket money and clothing allowance

  Published guidelines for amounts of pocket money and clothing allowance.

• Research and consultancy

  Research and consultancy on household finances for institutions.

• Educational materials

  Educational materials on financial education and financial upbringing.

1. 1Het Nibud (Nationaal Instituut voor Budgetvoorlichting)nibud.nl
2. 2About Nibud: this is what we do en who we are - Nibudnibud.nl
3. 3Nationaal Instituut voor Budgetvoorlichting (Netherlands) - Wikidatawikidata.org
4. 4Nationaal Instituut voor Budgetvoorlichting - Wikipedianl.wikipedia.org