Do I need to build up a financial buffer?

  • Edited 21 January 2026
  • 1 min
  • Starting
  • Finance

A financial buffer is not mandatory but it is important for entrepreneurs. Your income can vary greatly from month to month. With a buffer, you can continue to pay your fixed expenses, even if you have less work or are ill. KVK presenters Max and Lisanne explain in 1 minute how to calculate and build up a buffer.

Important:

  • Calculate your fixed expenses, both private and business
  • Multiply this amount by 3–6 months
  • Adjust to your situation.

Want to know more? View all the tips for building up a buffer.
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