Budżet domowy jest gotowy.

A rough English-friendly pronunciation is:

BOO-jet doh-MO-vih yest goh-TO-vih

A few key points:

• bu sounds like boo
• dż sounds like the j in jam
• domowy and gotowy have the Polish y, which is not exactly English ee or ih, but ih is a decent approximation
• jest sounds like yest

Stress in Polish usually falls on the second-to-last syllable:

• BUdżet
• doMOwy
• jest
• goTOwy

That is a very natural question, because in many cases Polish adjectives do come before the noun.

However, budżet domowy is a very common set expression meaning household budget. In Polish, adjectives often come after the noun in:

• fixed phrases
• official or technical terms
• classifications or labels

So:

• budżet domowy = the standard term for household budget

You can also hear domowy budżet, but that sounds a little less like a fixed label and a little more like ordinary descriptive word order.

Budżet is a masculine singular noun.

Because Polish adjectives must agree with the noun they describe, both adjectives also take masculine singular forms:

• budżet domowy
• jest gotowy

So the -y ending here tells you that the adjective is agreeing with a masculine singular noun.

It is in the nominative case, because it is the subject of the sentence.

So:

• Budżet domowy = the thing that is ready

Also, after jest in this sentence, gotowy is in the nominative too, because predicate adjectives after być normally stay in the nominative:

• On jest gotowy = He is ready
• Budżet jest gotowy = The budget is ready

This is different from predicate nouns, which are often instrumental:

• On jest nauczycielem = He is a teacher

Jest means is. It is the 3rd person singular present form of być (to be).

So:

• Budżet domowy jest gotowy = The household budget is ready

In normal standard Polish, you keep jest here. Leaving it out would sound unnatural in an ordinary sentence.

You might occasionally see omission in:

• headlines
• notes
• very compressed informal style

But as a learner, you should treat jest as required in this sentence.

Because Polish does not have articles like a or the.

So budżet domowy can mean:

• a household budget
• the household budget

The exact meaning depends on context.

That is very normal in Polish. Definiteness is usually understood from:

• context
• word order
• the situation
• sometimes extra words like ten (this/that)

For example:

• Ten budżet domowy jest gotowy = This household budget is ready

It can cover several close ideas, depending on context:

• ready
• prepared
• completed
• finalized

With budżet domowy, jest gotowy usually suggests that the budget has been prepared and is now ready for use, review, or discussion.

So in English, depending on context, you might understand it as:

• The household budget is ready
• The household budget is prepared
• The household budget is finished

Yes, that is grammatically possible.

Both are understandable:

• Budżet domowy jest gotowy
• Domowy budżet jest gotowy

But they are not exactly equal in feel.

• Budżet domowy sounds more like the usual fixed term household budget
• domowy budżet sounds more like a normal descriptive phrase, with a bit more emphasis on domowy

So if you want the most standard, dictionary-like expression for household budget, budżet domowy is the safer choice.

Because it must agree with budżet, which is masculine singular.

Compare:

• budżet jest gotowy — masculine singular
• lista jest gotowa — feminine singular
• zadanie jest gotowe — neuter singular
• dokumenty są gotowe — plural

So the ending changes depending on the noun.

Yes, that is a very good idea.

It is a common expression meaning household budget, so it is worth learning as a single unit:

• budżet domowy

This helps you remember:

• the natural word order
• the meaning of domowy in this context
• how Polish often forms common terms

Learning useful chunks like this is often easier than building everything word by word.

You would say:

Budżet domowy nie jest gotowy.

A few useful points:

• nie goes before jest
• gotowy stays in the same form
• the sentence structure remains very similar

So:

• Budżet domowy jest gotowy. = The household budget is ready.
• Budżet domowy nie jest gotowy. = The household budget is not ready.