EUROSPENDINGEuro Economics
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2026-05-23

Deficit and surplus (net lending/borrowing)

The gap between what a government raises and what it spends in a year, and the 3%-of-GDP Maastricht limit.

The budget balance — formally net lending (+) or net borrowing (−), item B.9 — is revenue minus spending in a single year. A negative figure is a deficit (the government borrowed to cover the gap); a positive figure is a surplus.

The 3% rule

The EU's Maastricht framework asks members to keep their deficit below 3% of GDP. Breaching it can trigger the Excessive Deficit Procedure. The limit was suspended during the pandemic and has since been reformed, but 3% remains the reference line.

Why it matters

Deficits are how debt accumulates. A one-off deficit in a downturn is normal and often sensible; persistent deficits in good times push the debt ratio up and leave less room to respond to the next crisis.

Source: Eurostat, Excessive Deficit Procedure / sector S13, annual.

#explainer#fiscal