A calm home for your money.
Coinest gathers your accounts, sorts every payment, catches every subscription and tells you what needs attention. No spreadsheets, no money stress.
- Read-only bank connections
- Never sold or used for ads
- Core data stored in the EU
This month
Left to spend
€1,240
- Groceries68%
- Home & bills92%
- Going out40%
Price went up
Your streaming plan costs €2 more from next month.
How It Works
Three steps to peace of mind.
- 01
Connect or Import
Link your bank securely (read-only) or import a statement. Coinest never sees your bank login.
- 02
Coinest Organizes It
Every payment is sorted and checked in the background. No spreadsheets.
- 03
See What Needs Attention
One clear view of what changed and what to do next.
Features
Everything in one place, nothing you don't need.
Six things Coinest does for you, quietly, every day.
Subscription detector
Finds every subscription and repeating cost by itself, warns you before a price rise or renewal, and writes the cancellation letter for you.
7 subscriptions found
- StreamingUp €2.00/month€15.99
- Gym membershipRenews in 5 days€34.50
- Phone plan€22.00
Every account in one place
Connect your bank (read-only) or drop in a statement. Coinest brings it all together.
- CSV
- MT940
- CAMT.053
Sorted for you
Each payment gets a label: what it was, whether you needed it, and whose it was.
Envelopes that keep you on track
Give every euro a job and see at a glance how much is left.
Ours and mine, kept apart
Share household money with your partner while personal spending stays private.
Made for where you live
Your banks, statement formats, currency and spending benchmarks, wherever you live in Europe. Extra tax and benefit checks in the Netherlands.
Privacy You Can Verify
We ask for your trust. We show how we earn it.
No vague promises. See where your data is stored, how it is protected, and what Coinest can — and cannot — do with it.
Read Our Privacy PolicyRead-only bank connections
Coinest cannot make payments or move your money.
Core data stored in the EU
The primary application and database run in AWS Stockholm.
Never sold or used for ads
We use service providers only to operate Coinest, under data-protection agreements.
Zero AI Model Training
Your financial data is NEVER used to train public or private LLMs.
Export or delete anytime
Download your data or delete your account directly in Settings.
Meet the Founder
Jibin Jose · Hilversum, The Netherlands 🇳🇱
Jibin built Coinest in the Netherlands after more than a decade designing large, business-critical systems. Coinest is independently operated, and you can contact the founder directly with questions about the product, privacy, or your data.
What People Say
Don't take our word for it.
I dumped three months of bank statements on it expecting to spend a weekend fixing mistakes. Didn't happen. It split my personal spending from the household account and got the categories right without me touching anything.
I check the dashboard for about a minute a week and it tells me exactly where things stand. I stopped digging through my own transaction list to figure that out.
I turned on frugal mode before a trip and just stopped thinking about money until I got back. No manual budget resets, no spreadsheet. It handled it.
All my accounts land in one transaction list, already sorted into categories. I stopped keeping my own spreadsheet the first week.
Pricing
One less thing to worry about.
Simple pricing that feels good. No hidden fees, no surprises — just peace of mind at a price that respects you.
Starter
For individuals who want financial clarity without the mental load.
- Unlimited transactions
- Auto-categorization & envelope budgeting
- 1 automatic bank connection (or unlimited CSV/PDF file uploads)
- Investment tracking & personal scope
- Monthly spending breakdown
Advanced
For families and couples sharing the journey — and the peace of mind.
- Unlimited transactions
- Full intelligent categorization & receipt OCR
- Up to 5 automatic bank & broker connections
- Household + Personal dual scopes
- Budget guardrails & savings goals
- All AI watchful agents & advisor
- Priority support
Pro Sync
For multi-account households and power investors who demand automated sync across all institutions.
- Unlimited automatic bank & broker connections
- Automatic transaction and balance updates
- Unlimited manual statement imports (CSV, PDF, MT940, CAMT.053)
- Unlimited household & personal scopes
- Full history export & custom merchant rules
- Dedicated priority support
- Custom AI financial rule tuning
30-day money-back guarantee. If you don't feel lighter, you don't pay. Simple as that.
No. Coinest isn't something you manage — it's something that manages for you. Most budgeting tools demand your attention with dashboards and alerts. Coinest does the opposite: it works quietly in the background and only surfaces what matters. The goal isn't to make you better at tracking money. It's to free you from tracking money altogether.
Give your money a calm home.
Start with one statement. 30-day money-back guarantee.