Household budgeting for the EU
Yearly bills, spread evenly.No surprises.
Fixum Budget turns insurance and subscriptions into one number you can safely spend each month. Together with your household, hosted in Germany.
No sign-up, expires in 24 hours
No signup needed. Data in Germany.
Safe to spend this month
EUR 1,840.00- Savings pot
- EUR 7,320.00
- Set aside this month
- EUR 410.00
The spreadsheet breaks eventually.
Irregular bills, yearly insurance, subscriptions in a dozen cadences. Miss one cell and the month tips over.
Before
Twelve tabs, manual formulas, nasty surprises.
After
One number: what you can safely spend this month.
How it works
Enter your fixed costs
Every recurring payment, in any cadence.
Converted to monthly
We break yearly and quarterly amounts down to the month.
See what's safe to spend
Plus how much to set aside for upcoming bills.
One pot, many reserves
Not envelope budgeting. One real savings account, with a virtual reserve on it for each upcoming bill.
Savings pot
EUR 7,320.00- Car insurance
- EUR 1,200.00
- Property tax
- EUR 800.00
- Annual subscriptions
- EUR 480.00
- Unreserved
- EUR 4,840.00
One picture for the whole household
Invite a partner or roommates. Everyone sees the same numbers, with no separate views.
Your data stays in the EU
Hosted in Germany. No ad tracking, no sharing. Export or delete everything anytime.
Your bank login stays with your bank. We never ask for it: what we do not store cannot leak.
- Data in Germany
- No tracking, no ads
- Export and delete anytime
Fixum compared
How Fixum compares to Finanzguru, YNAB, and Actual Budget on price, data location, bank login, self-hosting, and household sharing.
| Fixum | Finanzguru | YNAB | Actual Budget | |
|---|---|---|---|---|
| Price | Free during beta | Plus about EUR 9 a month | $109 a year | Self-hosted EUR 0, managed about $1.50 a month |
| Data location | Frankfurt am Main, EU | - | USA | Your own server |
| Bank login required? | Never. Your login stays with your bank | Yes, bank sync is the core of the app | Optional, via Plaid | Optional, self-configured |
| Self-host? | No, hosted service | No, app | No, web service | Yes: install and keep it updated, or managed for about $1.50 a month |
| Household | Built in: everyone sees the same numbers | - | YNAB Together: share the subscription with up to 5 people | - |
Finanzguru, YNAB, and Actual Budget figures: prices as of July 2026, YNAB details as of June 2026, no guarantee.
Common questions
What is Fixum, and how is it different?
Fixum is a household budget for EU and especially German users. Instead of classic envelope budgeting, it spreads recurring bills across the month and sets money aside for non-monthly ones. A YNAB alternative built for European payment rhythms.
How does the budgeting model work?
You enter your recurring payments at whatever frequency they bill. Fixum breaks annual and quarterly amounts down to a monthly figure and shows how much you can safely spend this month, plus how much to set aside for upcoming bills.
Is my data private, and where does it live?
Your data lives in a database run by Supabase in Frankfurt, and the app runs on Vercel in the Frankfurt region, with backups kept in the EU. We work GDPR-compliant, with no ad tracking and no sharing of your data.
Why no bank sync?
On purpose. Your bank login stays with your bank, we never ask for it. What we do not store cannot leak. Fixum is built around a handful of recurring items: you enter them once, and because you enter them yourself, your numbers are correct and always editable.
What does it cost?
Fixum is still pre-launch. You can try the demo for free without an account. Pricing for the finished version is not set yet.
Can I use it with my partner or household?
Yes. Invite your partner or roommates into your household. Everyone sees the same numbers in one shared view, with no separate accounts to reconcile.
Can I export or delete my data?
Yes. You can export your data anytime. If you delete your account, we remove the data for good, with no quiet soft-delete copies.
Ready to retire the spreadsheet?
Start with a demo. No account needed, expires in 24 hours.
Try the demo