🔒 100% private · free · no signup
Nederlands
MuntSnap

See what your fixed costs cost you a year. Without linking your bank.

Drop in your bank download. See your subscriptions, insurance and energy contracts, and which ones to compare before 31 December. Nothing is uploaded.

Check my fixed costs, free

CSV, Excel or PDF from your online banking.

Health insurance? See what you really pay now.

Works with: ING ABN AMRO Rabobank bunq SNS + more
🔒 Read on your device. Your file is never uploaded or stored, not even by us.
🔑 No bank login. We never ask for your banking password or a bank link.
📴 Check it yourself. Switch off your internet after the page loads. It still works.
  1. Download your statement from your bank: CSV, Excel or PDF. How to, per bank.
  2. Drop it below, or click to choose it.
  3. For CSV or Excel: check the example rows. Change the columns if needed, then show your results.
📄
Drop your bank statement here
or click to choose a file: CSV, Excel or PDF
Works with ABN AMRO, ING and Rabobank: CSV, Excel or PDF exports from online banking. Most other banks' CSV/Excel exports work too.
No bank file to hand?
Rather not download your statement? Automatic bank linking would cost €1 a month extra.
Reading your statement. This happens on your own device…
Couldn't find any transactions in that file
Where it goes, per month
Fixed every month
Worth comparing

Health insurance can be switched once a year, before 1 January. The others can be switched when the contract term ends. The maker of MuntLab compared his car and home insurance once and now pays €74 a month less.

Save this as your baseline

On the 2nd of each month you get a reminder. Then you see what got more expensive, what's new and what stopped. 30 days free, just your email.

Try MuntLab free for 30 days → See prices
Rather link your bank automatically? Costs €1 a month extra.
Keep it, or share it with your partner
Both are made on your device and saved straight to it. Nothing is sent to us.

Frequently asked questions

Is this bank statement analyzer really free?

Yes. MuntSnap has no signup, no account and no email required to see your results. It's a free tool from MuntLab — if you like what you see, there's an optional link to try the full app afterward.

Is my bank data safe? Does it get uploaded anywhere?

Your file never leaves your device. All parsing and categorization happens in your browser using JavaScript — nothing is uploaded to a server, stored, or logged. You could disconnect your internet after the page loads and it would still work. We only count that someone opened the page, read a file, clicked through to the app or asked for automatic bank linking, and through which link or QR code if there was one. No amounts, names or other data. If you continue in the app, your data goes straight from this page to the app inside your own browser, never via a server.

Which banks and file formats are supported?

ABN AMRO, ING and Rabobank statements all work as CSV, Excel or PDF exports from online banking. Most other banks' CSV or Excel exports work too, as long as they include a date, description and amount column. Scanned or photographed PDFs (image-only, with no text layer) aren't supported — export a text-based PDF or CSV instead.

Is one month enough?

Yes. You see what you spent that month. Which payments are fixed is a best guess with one month. With two or three months it is certain. You choose the period when you download from internet banking.

How accurate is the categorization?

It uses the same rule-based categorization engine built into the MuntLab app, matching common Dutch and international merchants — supermarkets, subscriptions, utilities, transport and more. The full app goes further: you can correct any category and it learns from your corrections over time.