The foundation
Money & Saving
Wealth does not start with returns but with what is left at the end of the month. Here is how that remainder becomes a system.
Safety first
Emergency fund: how much, where and how fast
Three to six months of net income, within reach in an instant-access savings account: the emergency fund is the first money decision everyone should make.
Getting an overview
Budgeting without frustration: the three-account method
A household budget rarely fails for lack of will but for effort.
The lever
Savings rate: what is realistic and how to raise it
Germans save a good eleven percent of their income on average.
The silent loss
Inflation: what it does to your savings
Two percent inflation sounds harmless.
Saving
Budget Planner
Enter net income and fixed costs: the 50-30-20 split, your savings potential and when your savings goal is reached.