One bank statement in, and within a minute you see what your fixed bills cost a year and which contracts are worth comparing. Works with ING, ABN AMRO, Rabobank and any other Dutch bank.
The check: no account, no email · The app: 30 days free, then €2.99/month or €29/year
🔒 No bank linking required.
Every month you add a statement, MuntLab puts your fixed costs next to last month's. You see straight away what got more expensive, what is new and what stopped.
Made with sample data. With your own statement you see your own amounts.
Your transactions are processed in your browser and stored on your device — not ours. No cloud account. Sync is optional and end-to-end encrypted, so we never see your data. GDPR by design, not policy.
Check it yourself: open your browser's network tab (F12) while you upload. Your statement goes nowhere.
No manual entry. No bank connections. Just upload and understand.
Export a PDF, CSV or Excel from your bank app and drop it into MuntLab. ING, ABN AMRO, Rabobank and more are supported out of the box.
MuntLab's smart engine automatically assigns categories to every transaction — groceries, rent, dining, subscriptions. You can adjust and it learns.
Instantly see where your money goes, track budgets, forecast your cash flow 12 months ahead, and model life changes with scenario planning.
Drop in your bank export and see exactly where your money goes — free for 30 days, then €2.99 a month.
Built for Dutch users managing real finances — not a demo app dressed up as a product. Everything below is in the 30-day trial.
Gets smarter every time you correct a category, trained only on your data. Optional sync is end-to-end encrypted, so no one else can see your finances. GDPR by design, not policy.
Every transaction is categorised automatically. The system learns your patterns — Albert Heijn becomes Groceries, NS becomes Transport — without you lifting a finger.
See your projected balance 12 months ahead based on your income, recurring expenses, and spending patterns. No surprises.
Model a salary raise, a new mortgage, a holiday. Instantly see how any life event affects your finances over the coming year.
Set a monthly budget per category and see where you are overspending. Progress updates every time you add a statement. Savings goals with a target date are part of Premium.
Track assets and liabilities — savings, investments, mortgage, loans. See your net worth grow month by month with a timeline chart.
Click any month on the chart and instantly see every category's spend for that month vs the prior 4-month average. Spot exactly what changed and why.
See your full year at a glance — total income, total spending, net saved, savings rate, and a month-by-month breakdown. Know exactly how your year went in seconds.
ING, ABN AMRO, Rabobank, bunq, SNS, ASN — PDF, CSV, or Excel. MuntLab parses them all automatically, no setup needed.
MuntLab doesn't just show you numbers — it tells you what they mean. Spending anomalies, saving streaks, budget warnings — surfaced automatically so you never miss what matters.
You spent 43% more on dining this month vs your 3-month average (€340 vs €238). Want to adjust your budget?
You have €5,400 saved and put aside €1,200 a month. You'll reach your €15,000 emergency fund in 8 months.
3 subscription services detected: Netflix €13.99, Spotify €9.99, Adobe €54.99. Total: €78.97/month.
Vattenfall raised your monthly energy advance from €134 to €149. That is €180 a year more.
No bank login, ever. Stop any time.
€0,01 by iDEAL or card to start. Then €2.99 a month. Stop any time.
Everything, including planning. Cancel anytime.
Everything, including planning. One payment, whole year.
Secure payment by iDEAL or card · EU VAT included · Licence key emailed instantly
See what your fixed costs really cost you a year.
Try MuntLab free for 30 days →€0,01 by iDEAL or card to start · No bank login
Go through your bank statements properly and you often find something. A gym you stopped going to months ago. An internet subscription whose welcome discount ran out long ago. An energy instalment that went up. For our founder, it was the car and home insurance: quietly more expensive. Every app that could track this wanted access to the bank. We didn't think that should be the price of an overview, so we built MuntLab. What's still running on your account? Drop in a statement and you'll see in a minute.