🤖 AI-powered · 🔒 100% private · 🇳🇱 Built for the Netherlands

Finally understand
where your money goes

Upload your bank statements. Finplan's AI instantly categorises every transaction, spots patterns, and shows exactly where your money goes — all without leaving your device.

Start free 14-day trial → Try the demo

No credit card required · €3.99/month or €29/year after trial · Cancel anytime

Works with: ING ABN AMRO Rabobank bunq SNS ASN + more
app.banextech.com
Planning
📊 Overview
📈 Scenario Planning
Targets
🎯 Budgets
🏦 Goals
History
📋 Transactions
🗓️ Monthly
Setup
⬆️ Upload
💰 My income
Overview — June 2026
Income
€3,850
Expenses
€2,341
Saved
€1,509
vs last month
+€204
🤖 AI insight: You spent 38% less on dining this month compared to your 3-month average. Great progress on your food budget!
Spending by category
12-month cash flow forecast

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 Finplan. ING, ABN AMRO, Rabobank and more are supported out of the box.

2

AI categorises everything

Finplan'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.

Everything you need. Nothing you don't.

Built for Dutch users managing real finances — not a demo app dressed up as a product.

AI-powered
🏷️

Smart auto-categorisation

Every transaction is categorised automatically. The AI learns your patterns — Albert Heijn becomes Groceries, NS becomes Transport — without you lifting a finger.

AI-powered
📈

Cash flow forecasting

See your projected balance 12 months ahead based on your income, recurring expenses, and spending patterns. No surprises.

🔀

Scenario planning

Model a salary raise, a new mortgage, a holiday. Instantly see how any life event affects your finances over the coming year.

🎯

Budgets & goals

Set monthly budgets per category and savings goals with target dates. Live progress bars update as you add statements.

📄

Any Dutch bank format

ING, ABN AMRO, Rabobank, bunq, SNS, ASN — PDF, CSV, or Excel. Finplan parses them all automatically, no setup needed.

🔒

100% private by design

Your financial data never leaves your device. Everything runs in your browser. No account, no sync, no cloud. GDPR by architecture, not policy.

Your finances, explained by AI

Finplan 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.

🔄
Recurring charges found

3 subscription services detected: Netflix €13.99, Spotify €9.99, Adobe €54.99. Total: €78.97/month.

⚠️
Cash flow alert

Your projected balance in August dips to €420 due to annual insurance renewal. Consider saving €200 extra in July.

Simple, honest pricing

Start free for 14 days. No credit card needed. Cancel anytime.

Monthly
€3.99 /month
 

14-day free trial included

  • All features included
  • Unlimited transactions
  • All Dutch bank formats
  • AI insights & forecasting
  • Cancel anytime
Start free trial

Payments handled by Lemon Squeezy · EU VAT included · Your licence key is emailed instantly after purchase

Questions answered

100% on your device, in your browser's local storage. Your bank statements, transactions, budgets and goals never leave your computer. Finplan'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.
You'll see a prompt to subscribe — €3.99/month or €29/year. Your data stays safe on your device regardless. If you choose not to subscribe, the app locks but your data is never deleted. You can export it anytime.
Finplan 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.

Start your free 14-day trial →

No credit card · Cancel anytime · Data stays on your device

🛡️ Also building: DORA Navigator

DORA compliance tool for financial entities supervised by AFM & DNB. ICT risk register, incident reporting, audit-ready reports.

Join the waitlist →