nibud.nl

Nibud (National Institute for Family Finance Information) is an independent non-profit foundation in the Netherlands that provides information and advice on the financial matters of private households. Its reference budgets are the basis of poverty measurement in the Netherlands and of the norms used for mortgages and consumer credit. It also publishes calculation tools, including the WerkUrenBerekenaar and a savings calculator.

Its customers are professionals who deal with household finances, such as banks, financial service providers, advisors, national and local governments, debt help organisations and schools. Services include research and consultancy, reference budgets and calculation tools, educational courses and educational material. The national government and the private financial sector finance around 25 percent of its projects; the rest is covered by revenues from its products and services.

Nibud was founded in 1979 and has its office in Utrecht. It employs a staff of 35 specialists in micro-economics, debt help, financial behaviour, fiscal law, financial education and communication. Its newsletter has more than 80,000 subscribers. Most reports and tools are in Dutch, with only a few translated into English.

Product: Household budget research, reference budgets, calculation tools, and financial education courses and materials for professionals.