Find out how much you need as a buffer. This is how you get financial security for yourself.
Receive an indication of the financial buffer you need.
Be prepared for unexpected situations.
Prepare for unexpected expenses, such as medical bills or repairs, without disrupting your finances.
Instant cash available when you need it.
Create a stable foundation so that you have peace of mind about your financial future.
Less worry about unexpected costs.
Avoid sleepless nights over how you will pay unexpected bills.
Make sure unexpected expenses don't wreak havoc on your entire budget.
Give yourself mental peace of mind by knowing that you always have a plan B.
Create space for enjoyment.
Don't put off spending; with a buffer, you can act now if needed.
Use your buffer as a springboard for opportunities such as a career switch or new investment.
Increase your freedom and opportunities through independence from loans or credit.
Your buffer receipt is ready. Find out how much buffer you need. Become more financially independent.
Get a grip on your situation. Reduce your money worries.
Understand your expenses and discover opportunities for saving and investing.
Put targeted money to work. Ensure a bright future.
* The buffer is a guideline based on estimated factors, employment status, income and expenses. Adjust it to your situation.
For a detailed calculation, use the Nibud calculator.
Investing offers opportunities but you can lose (part of) your investment. It is therefore wise to understand the risks in advance. More on this can be found in the Investment Policy. Vive is a licensed investment manager.
These are payments you make to repay a loan or debt. The amount is usually fixed, such as an interest rate or amount, depending on agreements with the lender.
Examples of debts or loans:
These are expenses you incur for pleasure, recreation or other non-necessities. They are often variable and depend on personal preferences.
Examples of flexible spending:
These are expenses for your daily and weekly needs. They are necessary expenses, but the amounts may vary.
Examples of living expenses:
Fixed charges are recurring expenses that you pay each month and are often mandatory. They usually don't change (or change little) from month to month.
Examples of fixed charges:
This is the amount you are left with each month after taxes and other required deductions are deducted from your gross income. It is what you actually receive in your bank account and can spend.
Example:
Invest your money or put your extra money into retirement. This is how you build up for later.
Get a complete picture of the pension landscape in the Netherlands in just 30 minutes. Includes an overview of all options and choices.
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