Nibud category structure
From February 2026 a Nibud template is available that can be loaded for new administrations. The overview below shows which category a line item belongs to per group type.
Regular income
Section titled “Regular income”Income received every month or almost every month.
Salary, benefit, pension, allowances, alimony, student finance, provisional tax refund.
Supplementary income
Section titled “Supplementary income”Additional income that recurs regularly but is not entirely fixed.
Overtime, structural bonus.
Incidental income
Section titled “Incidental income”Income received occasionally and not guaranteed.
Tax refund (annual), profit distribution, bonus, interest income, investment return, gifts, sale of belongings, inheritance.
Fixed expenses
Section titled “Fixed expenses”Costs that must be paid every month.
Rent, mortgage, energy, water, local taxes, housing costs, home insurance, health insurance, contents insurance, other insurance, telephone, internet, television, car insurance, road tax, bank charges, childcare.
Reservation expenses
Section titled “Reservation expenses”Costs that do not come every month, but for which money is set aside each month.
Clothing, home maintenance, furnishings, car (purchase/replacement), car maintenance, bicycle, electronics, DIY, garden, education (school costs, school trips, books), dentist, healthcare costs, healthcare excess.
Household expenses
Section titled “Household expenses”Daily or weekly spending.
Groceries, personal care, hairdresser, miscellaneous, daily school costs.
Other necessary expenses
Section titled “Other necessary expenses”Necessary, but the amount varies per month.
Fuel, travel costs, parking, car wash, general transport, variable medical costs, pets.
Non-essential
Section titled “Non-essential”Spending where there is a choice.
Restaurants, sport, hobbies, games, holidays, going out, gifts, flowers, charities, lottery, books, toys, media, subscriptions, pocket money, donations.
Payments to repay debts.
Repayment, interest costs, fines.
Reservations (saving)
Section titled “Reservations (saving)”Money set aside for later (not an expense).
Saving, investments, contingency, replacement, buffer.
Also enable the “Transfer” checkbox for these categories.
Transfers
Section titled “Transfers”Money that is only moved.
Transfers between own accounts, balance corrections, cash withdrawals, expense claims, renovation (technical).
Also enable the “Transfer” checkbox for these categories.
Rule of thumb
Section titled “Rule of thumb”What is required every month is fixed. What will certainly come, reserve for. What can be chosen is discretionary. Moving money is not an expense.
Migrating an existing administration
Section titled “Migrating an existing administration”An existing administration can be migrated as follows:
- First make a back-up, in case actions need to be undone.
- Go to Menu → More → Categories.
- In the action menu top right, choose “Update categories from template”.
- Select “Personal finances”.
The following then happens:
- Categories from the template that do not yet exist are added.
- The fields of existing categories are updated.
Categories already in the administration that do not appear in the template are shown on the “Classic” tab. There the group and group type can be updated manually to the above structure.