Coinest is a comprehensive personal finance management platform purpose-built for Dutch and European households, families, and freelancers (ZZP'ers). Think of it as having a calm, tireless financial assistant that lives in your browser — someone who categorizes every euro, watches for wasteful spending, reminds you about tax deductions you'd otherwise miss, and never, ever judges you.
No accounting knowledge required. If you can read a bank statement, you can use Coinest. Under the hood, Coinest combines contextual categorization, Dutch NIBUD benchmarks and a Toeslagen radar with encrypted storage, tenant isolation and commercial AI services that do not train on your data.
Most budgeting apps are digital shoeboxes — you throw receipts in, they sort them into flat categories like Food or Transport, and you're left staring at pie charts wondering what to actually do. Coinest is different. It doesn't just label your spending — it understands it. Here's how, in plain language first, then in detail.
Finds every subscription and repeating cost by itself, warns you before a price rise or renewal, and writes the cancellation letter for you.
Subscription Watchdog: Notices when Netflix, Spotify, or your insurance raises prices. Tracks contract renewal dates so you never auto-renew at a higher rate. Even generates a Dutch Wet van Dam cancellation letter if you want out. Average user savings: €180/year.
7 subscriptions found
Every app can tell you spent €847 at Albert Heijn last month. Coinest goes further: it knows whether those AH runs were necessities (bread, milk, vegetables — feeding your family) or luxuries (pre-cut mango, imported cheese, that fancy wine you grabbed on impulse). It also knows whether those groceries were personal (your household) or business (you run a catering side-hustle and bought supplies). This isn't a gimmick. It means you can answer real-life questions like: How much did we really need to spend on food versus how much we splurged? or What portion of my car expenses are tax-deductible business kilometers? No other personal finance app can do this — it's a capability you normally only find in enterprise accounting software costing hundreds per month.
Coinest classifies every transaction across three independent (orthogonal) dimensions simultaneously. They never conflict because they answer different questions:
expense_type: WHAT was purchased. Spans Income, Fixed Expenses (rent/mortgage, insurance, utilities), Household Expenses (groceries, cleaning supplies), Occasional Expenses (dining out, entertainment, travel), and Transfers (internal account movements). 20+ subcategories provide granularity comparable to a Chart of Accounts (COA) in double-entry bookkeeping — but fully automated.
essentiality: WHY it matters financially. Every transaction is bucketed into Need, Want, or Savings. This is the dimension that powers Coinest's emergency-buffer calculation (only Needs count toward your minimum reserve) and the subscription watchdog (most subscriptions are Wants, so they're flagged when your discretionary spending ratio climbs).
classification: WHO it belongs to. Personal transactions stay private; Business transactions feed the ZZP Tax Agent for quarterly Btw-aangifte. Household-scope transactions are visible to family members; Personal-scope transactions are cryptographically isolated at the database row level.
NIBUD (Nationaal Instituut voor Budgetvoorlichting) is the Dutch government-backed institute that publishes reference budgets — how much a typical household should spend on housing, food, transport, clothing, and other categories based on your income and family size. These are the same numbers Dutch municipalities, mortgage advisors, and debt counselors use. Coinest is the only personal finance app with NIBUD benchmarks built in. You fill in a 30-second profile (single or couple? kids? renter or homeowner? annual income?), and Coinest instantly shows you how your real spending compares across 9 NIBUD categories. If you're over-benchmark on housing, you see it. If you're under-benchmark on groceries (good job!), you see that too. Even more valuable: the Toeslagen radar checks whether your household profile makes you eligible for any of 4 Dutch government subsidies — Kinderopvangtoeslag (childcare), Kindgebonden Budget (child benefit supplement), Huurtoeslag (rent subsidy), and Zorgtoeslag (healthcare allowance). These are benefits many Dutch families qualify for but never claim because they don't know they're eligible. Coinest tells you.
NIBUD publishes reference budgets annually based on CBS (Centraal Bureau voor de Statistiek) consumption data. Coinest maps your actual categorized spending onto NIBUD's 9-category framework using the official NIBUD household-type matrix: Single, Single Parent, Couple, Couple with Kids — cross-referenced against housing status (owner/renter) and income bracket.
Toeslagen eligibility is calculated against current Belastingdienst thresholds for the calendar year. The radar checks income caps, asset limits (vermogenstoets), child ages, and rent ceilings (huurtoeslag maximale huur). Results are advisory, not a guarantee — always verify with the Belastingdienst before claiming.
This is the part that makes Coinest unlike anything else. Most finance apps are passive — they show you what already happened. Coinest is active — it has 11 autonomous agents running in the background, each watching for something specific:
Each agent is a stateless rule evaluator with configurable thresholds. The built-in agents use deterministic heuristics (regex-based merchant matching, numeric threshold comparisons, date-range arithmetic) as their primary path, falling back to LLM augmentation only for ambiguous cases like merchant name normalization or natural-language scenario interpretation. Custom agents created through the Agent Center accept plain-English rules that are compiled into structured monitoring queries.
Agents fire on a scheduled cycle (hourly for built-ins, daily for customs) and produce structured insight records with severity levels (info, warning, alert). Alert-level insights surface on the Dashboard and optionally via email. Every agent can be individually toggled on/off from the Agent Center — you control exactly what watches your finances.
When you upload a bank statement, here's the exact path it takes — and what doesn't happen:
No advertising networks. No data brokers. No analytics platforms. No social media pixels. No tracking. Zero.
Data Minimization: Bank statement originals are processed in memory and not stored. Receipt files are uploaded for extraction and may be retained for in-app review, as explained in the Privacy Policy.
No Model Training: Commercial developer API terms contractually prohibit providers from training on your data. Provider operational retention may still apply as described in the Privacy Policy.
PostgreSQL Row-Level Security: Multi-tenant isolation at the database engine level. Each query is transparently filtered by household_id.
GDPR Self-Service: One-click data export (Art. 20), one-click account deletion (Art. 17), per-agent consent toggles (Art. 7(3)). No email to support required.
Coinest is built for households across Europe. The interface speaks English, Dutch, German and French. It reads European bank formats natively (SEPA CAMT.053 XML, SWIFT MT940, CSV and PDF statements) and uses your own currency and spending benchmarks. It was born in the Netherlands, so Dutch households also get NIBUD benchmarks, Box 1 and Box 3 tax estimates and a toeslagen check. Connect supported banks through regulated open-banking partners, including ING, Rabobank, ABN AMRO, Bunq, Revolut and N26, or import a statement from any bank in Europe.
Below is every capability Coinest offers, described for both first-time users and experienced finance practitioners. Each section stands alone — read what interests you, skip what doesn't.
Automatic subscription detection, renewal deadline tracking, price increase warnings, cheaper alternatives, and 1-click AI-drafted cancellation & negotiation letters.
Understand life events longitudinally—baby arrivals, home purchases, sabbaticals, and career pivots. Forecast feasibility and required savings while protecting your NIBUD emergency cushion.
Connect supported European accounts through regulated open-banking partners, or import statements. Authentication stays with your bank and connection provider.
Tax set-aside estimates wherever you live; in the Netherlands also real-time Box 1 income tax, Box 3 wealth tax thresholds and a toeslagen eligibility check.
Coinest uses zero-based envelope budgeting — the same method used by YNAB and professional financial planners. The core idea is simple: every euro you earn gets assigned a job before you spend it. You create budget envelopes for each category (Rent: €1,200, Groceries: €600, Entertainment: €200, etc.) and Coinest tracks your progress in real time.
If you share finances with a partner or family, Coinest gives you three visibility levels for every transaction and account: Switching between scopes is instant — there's a toggle at the top of every page. Separate dashboards, separate budgets, separate category trees. The database enforces isolation so personal transactions never accidentally leak into the household view.
Snap a photo of any receipt or invoice — grocery store, restaurant, hardware store, utility bill — and upload it. Coinest's OCR engine reads every line item individually: the product name, the quantity, the price, and any VAT. Uploaded receipts are automatically matched to bank transactions within a 7-day window (±€0.05 tolerance). Manual linking is also supported if you prefer to do it yourself.
Coinest comes with sensible default categories (Rent, Groceries, Transport, Entertainment, etc.) but you can customize everything. Create parent-child category trees (e.g., Transport → Train, Car, Bike). Create custom dimensions to track things your way — tag expenses by project (Home Renovation 2026), by tax class, or by any other lens that matters to you. The multi-month comparison view shows how your spending in each category changes month over month in a clean, scannable table. Spot trends immediately: Our dining-out spending doubled since April — let's rein that in.
NIBUD (Nationaal Instituut voor Budgetvoorlichting) is the Dutch government-backed institute that publishes reference budgets — how much a typical household should spend on housing, food, transport, clothing, and other categories based on your income and family size. These are the same numbers Dutch municipalities, mortgage advisors, and debt counselors use. Coinest is the only personal finance app with NIBUD benchmarks built in. You fill in a 30-second profile (single or couple? kids? renter or homeowner? annual income?), and Coinest instantly shows you how your real spending compares across 9 NIBUD categories. If you're over-benchmark on housing, you see it. If you're under-benchmark on groceries (good job!), you see that too.
This is the part that makes Coinest unlike anything else. Most finance apps are passive — they show you what already happened. Coinest is active — it has 11 autonomous agents running in the background, each watching for something specific:
Longitudinal modeling of life transitions (baby, home relocation, sabbaticals) with automated cashflow delta forecasting and NIBUD cushion protection.
Subscription Watchdog: Notices when Netflix, Spotify, or your insurance raises prices. Tracks contract renewal dates so you never auto-renew at a higher rate. Even generates a Dutch Wet van Dam cancellation letter if you want out. Average user savings: €180/year.
Subscription Optimizer: Scans your recurring charges and asks AI to find genuinely cheaper alternatives — a lower-tier plan from the same provider, a competitor with the same features, or a bundling opportunity — then shows the exact monthly savings per subscription. One click generates a Dutch cancellation letter for the one you're dropping.
NIBUD & Toeslagen Radar: Continuously benchmarks your spending against official norms and re-checks subsidy eligibility when your income or family situation changes.
Emergency Buffer Agent: Calculates how many months you could survive on savings if income stopped tomorrow, based on your actual essential spending. NIBUD recommends 3-6 months — Coinest shows exactly where you stand and how much more you need.
Cash-Drag Detector: Finds money sitting idle in zero-interest checking accounts and calculates what you'd earn by moving it to a savings vault. Most users discover €2,000-5,000 of idle cash within their first month.
ZZP Tax & VAT Agent: For freelancers: estimates quarterly Btw-aangifte at 21%, 9%, and 0% VAT tiers. Identifies deductible expenses (kilometervergoeding at €0.23/km, home office costs, professional subscriptions) and summarizes them for your boekhouder.
Scenario Simulator: What-if projections over 1-36 months. Income drops by 30%? Child #3 arrives? Six-month sabbatical? Buying a house? See how each scenario impacts your net wealth trajectory before you commit.
Tikkie Settlement Agent: Tracks shared expenses with your partner or housemates, calculates 50/50 splits, and generates payment links for unsettled balances. No more I'll-get-the-next-one ambiguity.
Receipt Matcher: When you scan a receipt, this agent cross-references every line item against your bank transactions to verify every charge. Flags discrepancies so you catch billing errors (they're more common than you think).
SEPA Parser: Native CAMT.053 XML and SWIFT MT940 parsing — the same formats banks use internally. Handles Dutch (ING, Rabobank, ABN AMRO, SNS, ASN, Triodos, Bunq) and international banks (Revolut, N26).
Export Agent: Generates mortgage-ready Financieel Overzicht PDFs (income statements, asset summaries, categorized annual spending) formatted for Dutch hypotheekaanvraag submissions. Also handles GDPR data export in CSV and JSON.
All plans include a 30-day risk-free trial with a 100% money-back guarantee. No questions asked. No long-term commitment — cancel anytime.
Individuals getting started
Multiple bank accounts, unlimited transactions, auto-categorization, investment tracking, personal scope, monthly spending breakdown
Families & couples
Unlimited accounts & transactions, receipt OCR, all 11 AI watchdog agents, envelope budgeting with rollover, shared + personal scopes, NIBUD benchmarks, Toeslagen radar, priority email support
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)
30-Day Risk-Free Trial: Try Coinest completely risk-free. 100% money-back guarantee — no questions asked.
Coinest does not sell, share, rent, or disclose your data to any third party for any commercial purpose. We never collect government ID numbers, card numbers, bank credentials, geolocation, or device fingerprints. The data we process is limited to your email (account identifier), a bcrypt-hashed password, and the financial data you choose to upload or enter.
Bank statement originals are processed in memory and not stored. AI services may receive extracted text or uploaded receipts when required by a feature; commercial terms prohibit providers from training on your data. See the Privacy Policy for processor and retention details.
Self-service controls include JSON/CSV export, account and covered database-record deletion, and per-agent consent settings. Uploaded receipt files are not yet covered by the same deletion workflow. See the Privacy Policy for complete details.
For developers, auditors, and the technically curious — here's what Coinest runs on:
Coinest uses regulated open-banking providers to securely connect supported bank accounts. Authentication happens directly with your bank and the regulated connection provider; Coinest never receives or stores your online banking credentials. You choose which account information to authorize and can disconnect a connected account at any time. The authorized account information is securely provided to Coinest so it can organize, categorize and analyze your finances. Connections are read-only for Coinest: Coinest cannot initiate payments or move money from your accounts.
No, never. We use commercial developer API endpoints where the terms of service contractually prohibit using submitted data for model training. Additionally, all PII is stripped before any text reaches an LLM. The combination of contractual prohibition and technical redaction means your financial data is not — and cannot be — used to train any AI model.
Dutch banks: ING, Rabobank, ABN AMRO, SNS Bank, ASN Bank, Triodos, Bunq. International: Revolut, N26. Formats: PDF statements, CSV/TSV exports, Excel (XLSX), SEPA CAMT.053 XML, SWIFT MT940 text, OFX/QFX, QIF. If your bank exports it, Coinest can probably read it.
Yes. Tag transactions as Business (one click per transaction or bulk-select) and the ZZP Tax Agent handles the rest: calculates quarterly Btw-aangifte broken down by 21%, 9%, and 0% VAT tiers; summarizes deductible expenses by category (kilometervergoeding, home office, professional subscriptions, equipment); estimates net VAT payable or refundable for the quarter; exports a structured summary you can send directly to your boekhouder. Disclaimer: Coinest provides estimates, not tax advice. Always verify with your accountant or the Belastingdienst before filing.
Settings → Delete Account removes your account and covered database records immediately. You can first export your financial data in CSV or JSON. Uploaded receipt files are not yet covered by the same deletion workflow; see the Privacy Policy for the current limitation.
That's exactly who Coinest is designed for. You don't need to know what zero-based budgeting or envelope allocation means. Upload a bank statement, let the AI categorize everything, and you'll immediately see where your money goes — broken down in plain language, not accounting jargon. The budgeting features grow with you: start by just looking at the reports, then set a budget when you feel ready. And if you are an experienced budgeter — the envelope system, rollover tracking, multi-scenario planning, and NIBUD benchmarking are all there waiting for you.
Visit coinest.app to start your 30-day risk-free trial. No credit card required for the Starter plan. Questions? We read every email: support@adaptl.ai.
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