Without sharing your bank password. MuntLab finds what's quietly draining your account — forgotten subscriptions, spending creep — and gives you deep, AI-driven insight into your spending, budgets, and long-term goals: a house, retirement, whatever's next. Just drop in a statement from ING, ABN AMRO, Rabobank, or any Dutch bank.
🔒 No bank linking required — your data stays on your device and never reaches our servers.
Works with:INGABN AMRORabobankbunqSNSASN+ more
Four screens. Four straight answers about your money.
No dashboards full of vanity charts — just the numbers that tell you whether you're actually doing okay.
Know where your money went, in one glance
Watch your net worth build, month by month
A straight answer: are you actually on track?
Test any "what if" before it happens
app.muntlab.com
Scenario Planning
Savings balance
€12,400
Monthly surplus
+€465
Savings runway — 12 months
🔒
Most finance apps store your data on their servers. MuntLab doesn't.
Your transactions are processed in your browser and stored on your device — not ours. No cloud account, no sync, no exposure. GDPR by design, not policy.
How it works
From bank statement to insights in 60 seconds
No manual entry. No bank connections. Just upload and understand.
1
Upload your statement
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.
2
AI categorises everything
MuntLab's smart engine automatically assigns categories to every transaction — groceries, rent, dining, subscriptions. You can adjust and it learns.
3
See your full picture
Instantly see where your money goes, track budgets, forecast your cash flow 12 months ahead, and model life changes with scenario planning.
See it in action
From CSV to clarity in under a minute
Drop in your bank export and see exactly where your money goes — free, just your email.
app.muntlab.com
Features
Everything you need. Nothing you don't.
Built for Dutch users managing real finances — not a demo app dressed up as a product. Marked below: what's free forever, and what's part of Premium.
Privacy-first
Your data never leaves your device
Gets smarter every time you correct a category — trained only on your data, stored only on your device. No cloud sync, no bank linking, no one else can ever see your finances. GDPR by design, not policy.
AI-poweredFree
Smart auto-categorisation
Every transaction is categorised automatically. The system learns your patterns — Albert Heijn becomes Groceries, NS becomes Transport — without you lifting a finger.
AI-poweredPremium
Cash flow forecasting
See your projected balance 12 months ahead based on your income, recurring expenses, and spending patterns. No surprises.
Premium
Scenario planning
Model a salary raise, a new mortgage, a holiday. Instantly see how any life event affects your finances over the coming year.
Premium
Budgets & goals
Set monthly budgets per category and savings goals with target dates. Live progress bars update as you add statements.
Premium
Net Worth tracking
Track assets and liabilities — savings, investments, mortgage, loans. See your net worth grow month by month with a timeline chart.
Free
Monthly drill-down
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.
Free
Year in review
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.
Free
Any Dutch bank format
ING, ABN AMRO, Rabobank, bunq, SNS, ASN — PDF, CSV, or Excel. MuntLab parses them all automatically, no setup needed.
Intelligent insights
Your finances, explained by AI
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.
Detects unusual spending spikes vs your average
Identifies your top expense categories automatically
Flags subscriptions and recurring charges
Projects when you'll hit your savings goal
Warns when cash flow dips below your threshold
Spending spike detected
You spent 43% more on dining this month vs your 3-month average (€340 vs €238). Want to adjust your budget?
Goal on track
At your current savings rate of €1,200/month, you'll reach your €15,000 emergency fund goal in 8 months.
Secure payments by Lemon Squeezy · EU VAT included · Licence key emailed instantly
FAQ
Questions answered
Free, forever, with just your email (we send a free key instantly, no password, no card): upload statements, automatic categorisation, monthly & yearly reports, and income tracking — that alone covers most of what a household budgeting app does. Premium (€4.99/month or €45/year, 30-day free trial) unlocks the forward-looking tools: scenario planning, net worth tracking, retirement projections, budgets and savings goals.
Your bank shows you what you spent. MuntLab shows you what you planned vs what you actually spent — and that difference is budgeting. Bank apps also only show one bank. If your salary goes to ING and savings to Rabobank, you have to add it up yourself. MuntLab combines everything and shows it in one place, without any upselling of loans or savings products.
100% on your device, in your browser's local storage. Your bank statements, transactions, budgets and goals never leave your computer. MuntLab's only server call is a weekly licence validation — it sends your licence key, nothing financial.
ING, ABN AMRO, Rabobank, bunq, SNS and ASN are all supported out of the box in PDF, CSV and Excel formats. If your bank exports a standard CSV format, it will likely work too. We're adding more banks regularly.
Nothing locks. You drop back to the Free plan — uploading statements, categorised transactions, and monthly/yearly reports keep working exactly as before. Only the forward-looking tools (scenario planning, net worth, retirement, budgets, goals) go back behind a "Subscribe — €4.99/month or €45/year" prompt. Your data is never deleted either way, and you can export it anytime.
MuntLab uses smart pattern matching to categorise transactions based on merchant names and descriptions. You can create custom rules (e.g. "Albert Heijn → Groceries") and the system remembers them for future uploads. The more you use it, the more accurate it gets.
Your licence key works on any device, but since all data is stored locally there's no automatic sync between devices. You can export your data from one device and import it on another. Cloud sync is on our roadmap.
Yes — by design. Since your financial data never reaches our servers, there's nothing for us to be responsible for under GDPR. The only personal data we hold is your email address (for licence delivery) and it's never shared or sold.
Ready to take control of your finances?
Join thousands of Dutch users who finally know where their money goes.
No credit card · Just your email · Data stays on your device
Our story
Why MuntLab exists
MuntLab started from a personal mess: a mortgage account, a spending account, a credit card — then a business account and a BV on top after going freelance as a ZZP'er. Somewhere in all those logins, two subscriptions kept charging for months, unnoticed. Spreadsheets couldn't keep up, and every app that could track it all wanted a bank password in return. So we built the tool that was missing.
