A household budget is one of the most effective ways to get an overview of your money. Those who know what comes in and what goes out, find it easier to have money left at the end of the month and make more conscious choices. A good household budget answers three questions: what do I earn, what do I spend it on and where is there room to save.
Where people used to note every receipt in a notebook or maintain an Excel file, this now happens online or via an app. With Dyme you keep your household budget completely digital, on your computer via the web app and on your phone via the mobile app. You safely connect your bank, after which all your transactions automatically come in and are categorized. From that moment on, Dyme goes further where a classic household budget stops: in addition to insight, you can also take direct action on your subscriptions, budgets and fixed costs.
Did you previously use the MijnGeldzaken household budget? Dyme is the logical next step.
Household budget: get a grip on your income and expenses
A household budget is one of the most effective ways to get an overview of your money. With Dyme you keep your household budget completely digital, on your computer and on your phone.
What is a household budget?
A household budget is an overview of all your income and expenses within a certain period, usually per month. It answers one simple question: where does my money go? People use a household budget to gain insight into their finances, to budget and to discover where they can save. Students, couples, families, homeowners and freelancers all benefit from it, regardless of how much comes in.
Paper, Excel or online?
A paper household budget gives a sense of involvement, but takes time and errors slip in quickly. Excel is still popular because you maintain complete control. It works fine to start with, but has clear limits in practice: transactions must be entered manually, one typo in a formula can skew entire overviews and you always work with figures that are a few days behind reality. An online household budget takes that work off your hands. Transactions come in automatically, categories are filled in for you and you see in real time where you stand. Where Excel ends with addition and subtraction, a digital household budget just begins: with insights, budgets and trends.
| Excel | Digital household budget (Dyme) | |
|---|---|---|
| Entering transactions | Manually, one by one | Automatically via your bank (PSD2) |
| Categorizing | Classify yourself and maintain formulas | Automatic, with corrections that are remembered |
| Actuality | As current as your last update | Real-time |
| Multiple banks | Merge separate columns | Merged in one overview |
| Use on the go | Not practical | Web app and mobile app, always in sync |
Why use a household budget?
A household budget gives you more than a list of numbers. It makes patterns visible that would otherwise remain invisible and gives room to make conscious choices. The main benefits:
Insight into your income
See at a glance what comes in, including salary, allowances and other income.
Insight into your expenses
Discover where your money really goes. For example, that you spent hundreds of euros on delivery meals last month, or that your internet contract has quietly become more expensive after the offer.
Budgeting
Determine per category how much you want to spend and immediately see when you’re about to go over it, for example with groceries or eating out.
Saving
Those who know their expenses also know where there is room to set aside a fixed amount every month for a vacation, renovation or buffer.
Financial peace
If you know exactly how you stand, you don’t have to worry about unexpected bills.
Preventing surprises
An annual policy in November, a subscription that is automatically renewed, a dentist bill that is due again: upcoming debits are no longer a shock.
How does a digital household budget work?
A digital household budget takes the manual work off your hands. In practice this happens in five steps:
Connect your bank
Via a secure bank connection (PSD2) you connect your Dutch bank account to your household budget in a few clicks.
Transactions come in automatically
New transactions appear directly in the overview, without you having to enter anything.
Expenses are categorized
Groceries, transport, housing, eating out, subscriptions: everything is automatically placed in the right category.
You get insight
In clear overviews you see how much you spend per category, what your fixed costs are and which patterns become visible.
Savings opportunities become visible
Based on your expenses you see where saving is possible, from duplicate subscriptions to overly expensive fixed costs.
Why choose Dyme?
A modern household budget should do more than register income and expenses. It should actively help you improve your financial situation: pay less for the same service, cancel subscriptions you no longer use and keep track of where you stand monthly. That is the starting point behind Dyme. And because many people prefer to view their finances on a larger screen, Dyme works fully on your computer and on your phone.
Complete overview of your finances
All your bank accounts come together in one overview, even with multiple banks. You see at a glance your income, expenses per category and fixed costs, filtered per week, month or year.
Automatic bank connection and categorization
All major Dutch banks are supported via PSD2. Once you are connected, new transactions are automatically retrieved and classified in the right category. Is a category incorrect? Then you adjust it once and Dyme remembers it for next time.
Budgeting without Excel
Set a monthly budget per category and Dyme automatically tracks how much you have spent. You get a signal when you are close to your limit. The difference with a spreadsheet is that you don’t have to fill in what happened every week. Dyme counts itself. This way budgeting remains a means to make room for saving, instead of a task that you put aside.
Save on fixed costs and subscriptions
Fixed costs are often the biggest bite out of your monthly budget. Dyme actively looks at where saving is possible with your internet subscription, energy supplier and insurance. Your subscriptions are also automatically recognized, from streaming services and the gym where you no longer go to that magazine that is quietly renewed every year. Want to cancel something? Then Dyme arranges that directly from the app, without you having to look for cancellation forms yourself.
Web app and mobile app
The web app
Made for the quiet moment on your computer. All overviews next to each other, multiple bank accounts at once, room to compare trends per category and set budgets for the coming month.
The mobile app
Available on the go, on iOS and Android. Quickly check your balance, find an expense after a purchase or directly cancel a subscription.
Everything synchronizes automatically
What you do on the web app, you immediately see back on your phone and vice versa. One account, one household budget, two devices.
Safe bank connection
Security is the foundation of every financial platform. Dyme meets the strictest requirements imposed on Dutch and European financial service providers, and works with all major Dutch banks. Read more about how this is technically arranged on the security page.
PSD2 as basis
The connection with your bank runs via PSD2, a European directive that regulates safe data exchange between banks and financial service providers.
Encrypted connection
All communication between Dyme, your bank and your devices is encrypted.
Read-only rights
Dyme cannot make payments on your behalf. Only information is retrieved.
You stay in control
You determine which accounts you connect and which data Dyme may view. You can withdraw that permission at any time.
Privacy
Your data is never sold or shared with third parties for advertising purposes.
Ready to get a grip on your money?
With Dyme you have insight into all your income, expenses and fixed costs within a few minutes. You safely connect your bank, immediately see where your money goes and discover where saving is possible. On your computer and on your phone, always in sync.