Dutch Defend: NL Expat Finance

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In-app purchases

About this app

Dutch Defend is a privacy-first financial planning app for expats building a life in the Netherlands. It brings your Dutch salary, 30% ruling, visa and contract dates, savings runway, benefits, debts, and major money decisions into one clear local-first overview.

No account required. No ads. Your financial and immigration details stay on your device.

UNDERSTAND YOUR DUTCH FINANCIAL POSITION

See your estimated monthly net income, current savings, monthly expenses, and financial buffer in one place. Dutch Defend turns scattered numbers and deadlines into a clearer picture of where you stand today.

DEFENSE SCORE

Get a simple score based on your financial runway, risks, deadlines, and actions. Use it as a planning signal, not as financial advice. The score helps you identify what deserves attention first.

30% RULING TRACKER

Track your 30% ruling period and see how it may affect your estimated take-home pay. Keep the ruling start date, remaining period, and possible salary impact visible so the transition does not catch you by surprise.

VISA, CONTRACT, AND DEADLINE TIMELINE

Store important dates for your residence permit, employment contract, ruling period, payday, and other financial milestones. Review them in one timeline and export selected events to your calendar.

SAVINGS RUNWAY AND WEALTH GOALS

See how many months your current savings may cover based on your saved expenses. Set a savings target, monitor progress, and understand whether your goal looks on track, ambitious, or behind plan.

DUTCH SALARY AND BENEFITS

Review your estimated net salary together with holiday allowance, 13th-month pay, annual bonus, and other income details you choose to add. Figures are estimates based on your inputs and the assumptions shown in the app.

OFFER CHECK

Enter a new job offer and compare the estimated take-home pay and package details with your current situation. Use the result to prepare better questions before accepting or negotiating an offer.

CAREER SIMULATOR

Explore how a job change could affect salary, timing, savings, and financial runway. Compare possible scenarios before making a major career move.

HOME BUYING POWER

Estimate possible mortgage buying power based on the income and household details you provide. This is an orientation tool, not a mortgage offer or approval.

DEBTS, WINDFALLS, AND UPCOMING MONEY

Keep optional records of debts and expected windfalls so your dashboard reflects more than salary and savings alone.

RULES, SOURCES, AND SHARING

Review the assumptions and reference sources used by the app. Create a shareable Defense Summary for your own records or for a conversation with a partner or adviser, while choosing what information to include.

CALM, PRACTICAL REMINDERS

Use local notifications for selected dates and milestones without turning the app into a noisy daily budget tracker.

PRIVATE BY DESIGN

• No account required
• No advertising
• No cloud profile by default
• Sensitive values stored locally on your device
• Optional biometric protection where supported
• Incognito mode for hiding financial values on screen
• Delete or update your saved information at any time

BUILT FOR EXPATS IN THE NETHERLANDS

Dutch Defend is designed for highly skilled migrants, international employees, partners, families, and other expats who want a calmer way to review Dutch salary, ruling, visa, savings, and career decisions.

FREE AND PRO ON ANDROID

The Android app includes core monitoring tools for free. A one-time Pro purchase unlocks additional decision tools. No subscription is required. Availability and price are shown through Google Play.

IMPORTANT

Dutch Defend provides estimates and planning tools based on the information you enter and the assumptions displayed in the app. It is not tax, legal, immigration, pension, investment, or mortgage advice. Rules, rates, and personal circumstances can change. Always verify important decisions with official Dutch sources or a qualified adviser.

What’s new

Improved billing reliability — fewer "Purchase cancelled" errors when opening the payment screen. Updated 2026 Dutch financial values (AOW, jaarruimte, 30% ruling cap). Dutch language support now works offline. Bug fixes and stability improvements.