The European Money Starter Kit

Most money advice online is American. This kit is made for Europe: euros, UCITS ETFs, EU brokers and the tax questions that actually apply where you live.

WHAT YOU GET

1. The Euro Money Planner (Excel, Google Sheets, Numbers)

• Monthly budget: plan vs actual for every category
• Transactions log with drop-downs: do the 90-day "track every euro" challenge
• Needs / Wants / Savings split and your real savings rate
• Year overview with a chart of all 12 months
• Emergency fund calculator: how many months are you covered?
• Net worth tracker with a monthly chart
• Invest growth & fees: see what a low-cost vs an expensive fund does to your money over 10, 20 or 30 years

2. The European ETF Starter Guide (17-page PDF)

• Why fees and time matter more than picking "the best" fund
• The money order of operations: what to do before you invest
• How to read any ETF factsheet in 5 minutes (UCITS, TER, tracking difference, Acc vs Dist, domicile)
• Three simple portfolio structures, explained
• How to choose a safe EU broker, and the red flags
• What to do when the market crashes
• Tax questions for 10 countries: NL, DE, FR, BE, IE, ES, IT, AT, PL, SE
• Worksheets: your investing plan, broker check, yearly review

WHO IT'S FOR

Young professionals in Europe who want their money organised and want to start investing without a finance degree, and without someone trying to sell them a product.

WHAT IT'S NOT

We never tell you which fund to buy. You'll learn how to decide yourself. Everything is education, not personal financial advice.

Instant download. No subscription. Free updates of the 2026 edition.

Questions? hello@moneyforeuropeans.com