Dutch Defend: NL Expat Finance

Working in the Netherlands and tired of guessing your next financial move?

Dutch Defend is the privacy-first financial co-pilot built for expats and high-skilled migrants in NL. See your 30% ruling timeline, visa deadlines, Defense Score, and savings runway — all in one place, all on your device.

YOUR DATA STAYS ON YOUR PHONE No account required. Your salary, savings, and planning inputs stay on your device for all core features — no financial data is ever required to use the app. Sensitive values are encrypted. Use Face ID or fingerprint lock for extra protection. Hide money values instantly with Incognito Mode when in public or screen-sharing.

WHAT'S INSIDE • 30% Ruling Cliff — See when your ruling ends and estimate your net salary drop before it hits • Job Switch Simulator — Compare offers before you sign; warns when a switch costs you money • Wealth Mountain — Visual savings roadmap toward your goal, in your target currency • Visa Radar — Keep permit expiry and key deadlines visible with built-in reminders • Box 3 Wealth Tax — Understand when Box 3 starts to matter and plan ahead of tax season • Vakantiegeld Tracker — Know your May holiday pay before it lands • Mortgage Simulator — Realistic borrowing range before you talk to an advisor or makelaar • Safety Runway — How long your savings cover your life in NL if income changes • 13th Month Tracker — Year-end bonus progress so you can plan early • Fiscal Partner Support — Model your financial picture together • Contract Locker — Track contract type, end dates, and renewal risk • Financial Timeline — All your key dates in one scrollable view • Shareable Summary — Export and share your financial snapshot • Calendar Export — Push key dates to your calendar

BUILT FOR REAL EXPAT PROBLEMS No spreadsheet circus. No legal jargon wall. Just clear next-step planning for life and money in NL, updated with current rule logic.

PRO FEATURES All Pro features — advanced reports, simulators, and exports — are included in your one-time purchase. Nothing else to buy.

--- Dutch Defend is an informational planning tool. It is not financial, legal, or tax advice. Always verify key numbers with a qualified advisor.