About BudgetWerk
We believe financial wellbeing should be practical, approachable and built for real life — not spreadsheets full of guilt. That's the idea behind everything we do.
Our Story
BudgetWerk began in Munich with a simple observation: most people don't struggle with money because they lack discipline — they struggle because no one ever taught them how budgets actually work in day-to-day life.
Over the past decade, we've worked with more than 500 clients: salaried employees, freelancers with irregular income, couples merging finances, and small business owners untangling personal and business expenses. Every client taught us something new about what makes a budget stick.
- Methods grounded in everyday routines, not unrealistic restrictions
- Education first — we teach you skills, not dependence on us
- Your data stays yours — we never ask for access to your bank accounts
Our Values
Four principles guide every budget plan, coaching session and article we publish.
Realism Over Rigidity
A budget you can't live with is a budget you'll abandon. We build plans around your actual lifestyle, including guilt-free spending.
Privacy By Design
We work only with the numbers you choose to share. No bank logins, no linked accounts, no data selling — ever.
Teach, Don't Depend
Our goal is to make ourselves unnecessary. Clients leave with skills and systems they can maintain on their own.
Partnership & Accountability
Regular check-ins keep you on track, and honest conversations keep the plan honest when life changes.
Small Steps, Big Results
Sustainable change comes from consistent, manageable adjustments — not dramatic overhauls that collapse in week three.
Judgment-Free Support
Money is personal. We meet you where you are, without lectures or shame, and move forward from there.
How We Work
Every engagement follows the same transparent, four-step process.
Discovery Call
A free 20-minute conversation to understand your situation, goals and what hasn't worked before.
Budget Blueprint
We map your income, fixed costs and spending patterns into a realistic plan you review together with your coach.
Implementation
You put the plan into action with simple tracking templates and clear weekly routines that fit your schedule.
Review & Adjust
Regular check-ins help us refine the plan as your income, goals or circumstances evolve.
Meet the Team
Jonas Weber
Founder & Lead CoachFormer financial advisor with over a decade of experience helping households and freelancers build sustainable budgeting systems.
Miriam Falk
Spending Coach & Workshop LeadSpecializes in impulse-spending patterns and habit change. Leads our group workshops and couple's budgeting sessions.
Tobias Kraus
Client Support & ContentKeeps our templates sharp and our clients supported. Writes many of the practical guides you'll find on our blog.
Ready to Take the First Step?
Book your free 20-minute consultation and find out how a practical, judgment-free budget plan could work for you.
Get a Quote