Fixed costs by age group: what changes?
How do fixed costs differ by age group in the Netherlands? See CBS data, understand life-stage effects and compare your own share.
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Articles about fixed expenses, saving money and keeping a grip on your monthly spending.
Insight into every fixed expense
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Finding Dutch taxes, benefits and subsidies online
Find the right Dutch government website for taxes, allowances, benefits and subsidies, with direct links and an explanation of each portal.
Taxes on owning or renting a Dutch home in 2026
Which Dutch housing taxes do tenants and owners pay? Understand municipal, water-board, property, income and transfer taxes in 2026.
Calculate your water use: what does a litre cost?
Calculate your water use and costs: what a litre and a cubic metre of water cost in 2026, what a household uses on average and how to work it out.
Average fixed expenses of a single-person household
How much does a single person in the Netherlands pay in fixed expenses per month? Indicative amounts per category, plus tips to save as a one-person household.
Monthly Dutch health insurance costs: calculate and compare
Calculate monthly health insurance costs in the Netherlands, compare basic and supplementary cover and budget for the deductible.
Monthly housing costs: rent, mortgage and other expenses
Calculate total monthly housing costs, from rent or mortgage to maintenance and local taxes, and identify realistic ways to save.
Monthly water costs: how to calculate and save water
Calculate monthly water costs from your annual statement and reduce both water and energy use with practical household changes.
Monthly insurance costs: overview and saving tips
Calculate monthly insurance costs, find duplicate cover and compare premiums, excesses and policy conditions for each risk.
Monthly transport costs: car, public transport, bike
Calculate total monthly transport costs, including depreciation, insurance, maintenance, fuel, public transport and cycling.
Monthly going-out expenses: calculate and set a budget
Calculate monthly spending on restaurants, nightlife and activities, set a realistic leisure budget and save without cutting everything.
Monthly mobile phone costs: calculate and save
Calculate monthly mobile phone costs, separate handset and plan payments and choose a data allowance based on actual use.
Monthly internet and TV costs: compare and save
Calculate monthly internet and TV costs, compare the price after introductory offers and save on speed, equipment and channel packages.
Dutch municipal taxes per month: calculation guide
Convert Dutch municipal and water-board taxes into a monthly amount, understand common charges and check assessments and support.
Monthly energy costs: how to calculate and save
Calculate your average monthly energy costs, understand every item on the bill and find practical ways to save on gas and electricity.
Monthly fuel costs: calculation formula and saving tips
Calculate monthly fuel costs from distance, real consumption and current price, then save through efficient driving and fewer journeys.
What percentage of income should go to fixed costs?
How much of your income should go to fixed expenses? A common guideline is max 50 percent. Learn how the 50/30/20 rule works and find your own percentage.
Saving on subscriptions: how to take control
Dutch households easily spend €25 to €45 a month on loose subscriptions. Here's how to map them, cancel what you don't use and pay less every month.
What do groceries cost per month? Average amounts
What do groceries cost per month? Indicative amounts - single, couple, family - based on Dutch Nibud and CBS figures, plus five ways to save.
How much savings should I have? Calculate your buffer
How much savings do you need? The rule of thumb is at least 3 months of expenses, more with an owned home, variable income or children.
What are fixed expenses? A complete overview with examples
What exactly counts as a fixed expense? A clear overview of all recurring monthly costs, with examples and the difference from variable expenses.
Average fixed expenses per household: what is normal?
How much does an average household spend on fixed expenses each month? Indicative amounts per category, based on Nibud and CBS figures.
Saving on your fixed expenses: 10 practical tips
Ten concrete tips to save hundreds of euros per year on fixed expenses such as energy, insurance, telecom and subscriptions - without giving up comfort.