Learn

Zero-based budgeting sounds like a course. It is really a handful of ideas you can hold in your head. These guides cover each one — plainly, with real numbers you can follow.

What is zero-based budgeting?

Give every euro a job before the month begins — and the math closes at zero.

Your first budget

The twenty-minute setup: income, fixed bills, one savings job — done.

Budgeting income

Salary, freelance, side income: one envelope rule that keeps them all honest.

Bills & subscriptions

The fixed numbers that eat budgets — and the envelope that keeps them on schedule.

Installments & credit

Loans, phone plans, credit cards: the envelope that retires debt on a schedule.

Budget articles

The building block of every budget: a named envelope with a plan and a ledger.

Tracked articles

Some envelopes are plans. Tracked articles are meters: they count real usage, not guesses.

Funds

Savings with a name and a destination: the vacation fund, the repair fund, the someday fund.

General savings

The envelope that says 'this is mine' — a savings job with no destination yet.

Transfers

Moving money between envelopes without pretending it was spending.

The monthly cycle

Draft, open, close, carry — the four beats every budget lives to.

Family roles

Owner, admin, member, viewer: four roles that fit how families actually share money.

Invitations

People get in through a one-time code — never a shared password.

Receipts, the short way

Photograph, review, confirm — and the spending is in the budget.

Charts & analytics

The same numbers, read as a picture: where the money went, month by month.

Offline & the PWA

The budget works on the train and in the shop — the changes wait for the network.

These are the guides published today. More topics ship with the launch release — this list is the map, not the ceiling.