MijnGeldzaken

What MijnGeldzaken does

MijnGeldzaken is a Dutch online personal financial management platform operated by MGZ B.V. (parent company: FinBase), based in Hoofddorp, Netherlands. The platform consolidates household budgeting, secure document storage, and financial health assessment for Dutch consumers. Its flagship product is the Huishoudboekje, a household budget tool inherited from AFAS Personal and claimed as the most used household budget tool in the Netherlands with 600,000+ historical users. The platform automates transaction importing from nearly all Dutch banks and integrates via DigiD authentication with the Belastingdienst (Dutch Tax Authority) and Mijnpensioenoverzicht.nl to provide a consolidated financial overview. Additional products include the Documenten Kluis (digital vault) for secure document storage and the Financiële APK, a free financial health check covering mortgages, savings, investments, and death/disability risk, supplemented by rule-based robo-advice tips and access to a network of independent financial advisors.

The business operates on a freemium model with a free base account and paid premium subscription tiers under 'Abonnementen', complemented by B2B employer partnerships (DSM, Randstad, APG, Tilburg University, Gemeente Den Haag, Thales, and others) that provide 50,000+ employees access to the platform as a financial wellness benefit. Go-to-market is primarily product-led and self-serve via the website and iOS/Android apps, supported by earned media coverage in major Dutch publications (FD, Elsevier, de Volkskrant, BNR, IEX, Libelle, Margriet). The company is registered with the Autoriteit Financiële Markten (AFM), won the 2016 PensioenWegwijzer from the Dutch Ministry of Social Affairs and Employment, and is described in the firm's own materials as reducing advisory costs by up to 50%. With a stated headcount of 1-10 employees, no disclosed funding rounds, and operations confined to the Netherlands, MijnGeldzaken appears to be a small, bootstrapped, niche consumer fintech focused on the Dutch market.

The platform's underlying technology combines a web-based dashboard with native iOS and Android applications, connected to Dutch bank aggregators for automated transaction data, and to government systems via DigiD for tax and pension data. No public API, SDK, or AI/ML research output is documented.

Name

MijnGeldzaken

Legal name

MGZ B.V.

Website

https://mijngeldzaken.nl

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

MijnGeldzaken is a Dutch independent personal financial management platform offering household budgeting, document storage, and financial health checks for Dutch consumers. It serves 600,000+ users directly and 50,000+ employees via employer wellness partnerships, operating as a small bootstrapped MGZ B.V. entity.

Ownership category

akta.pro rank

Product category

Personal Financial Management Software

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Investment Advice (6282)

akta.pro primary industry

Budgeting & Cash-Flow Management (FSAGADAA)

akta.pro secondary industries

Personal Financial Management & Budgeting (PFM) (FSAGAAAH), Hybrid Robo-Advisory Platforms (Advisor + Automation) (FSAGAEAB), Robo-Advisors & Digital Wealth Managers (FSAAAAAD)

Keywords

• Personal financial management
• Household budgeting software
• Financial health check
• Robo-advice platform
• Employee financial wellness

Headquarters

HQ city

Hoofddorp

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales, Others

Revenue model

1. Freemium Subscription Model: The platform offers a free base account with basic household budgeting features. Premium subscription tiers are available under 'Abonnementen' (subscriptions) for advanced features. The platform also generates value through employer B2B partnerships where the platform is offered as an employee financial wellness benefit.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

MijnGeldzaken is an independent online platform that helps Dutch consumers manage, plan, and receive advice on their personal finances. It centers on a household budget book (Huishoudboekje) that automatically imports transactions from nearly all Dutch banks, a secure digital document vault, and a free financial health check (Financiële APK) that delivers robo-advice on mortgages, savings, investments, and risk coverage, with optional access to a network of independent financial advisors.

Product overview

MijnGeldzaken.nl is an independent platform for financial advice offering a unified suite of financial management tools. The platform centers on the Huishoudboekje (household ledger), formerly AFAS Personal, with over 600,000 users as its most used component. The platform also includes a Documenten Kluis (digital vault) for secure document storage and a Financiële APK (financial health check) providing comprehensive financial health assessment including mortgages, savings, investments, and risk analysis. The platform integrates with Dutch banks, DigiD authentication, Belastingdienst, and Mijnpensioenoverzicht.nl, offering robo-advice capabilities and connecting users to a national network of independent advisors for when professional guidance is needed. Financial advice through the platform is marketed as 50% cheaper than traditional advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Huishoudboekje (Household Budget Book) A household budget book (formerly AFAS Personal) that provides automated insight into income and expenses by importing transactions from nearly all Dutch banks. Targets Dutch consumers who want a single, bank-independent view of their personal finances; available via web and native iOS and Android apps.
• Financiële APK (Financial Health Check) A free financial health check tool that analyzes a user's complete financial situation — including mortgage, savings, investments, and death and disability risks — and delivers personalized automated robo-advice recommendations. Targeted at Dutch consumers preparing a financial plan or seeking independent advice.
• Financieel Dashboard met DigiD-koppeling (Financial Dashboard with DigiD Integration) A financial planning dashboard that links a user's Belastingdienst tax data and Mijnpensioenoverzicht.nl pension overview via DigiD to produce a comprehensive financial plan in approximately 10 minutes. Targeted at Dutch consumers seeking a consolidated retirement and tax planning view.

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

13 partnerships are on record, tiered minor and core.

• DSMminorChannel Partner/ Reseller/ DistributorDSM employees have access to MijnGeldzaken as an employee benefit. This is one of several employer partnerships through which MijnGeldzaken provides its financial platform to employees of large Dutch organizations.
• RandstadminorChannel Partner/ Reseller/ DistributorRandstad employees have access to MijnGeldzaken as an employee benefit. This is one of several employer partnerships through which MijnGeldzaken provides its financial platform to employees of large Dutch organizations.
• APGminorChannel Partner/ Reseller/ DistributorAPG employees have access to MijnGeldzaken as an employee benefit. This is one of several employer partnerships through which MijnGeldzaken provides its financial platform to employees of large Dutch organizations.
• A&OminorChannel Partner/ Reseller/ DistributorA&O employees have access to MijnGeldzaken as an employee benefit. This is one of several employer partnerships through which MijnGeldzaken provides its financial platform to employees of large Dutch organizations.
• IPO (Dutch pension fund association)minorChannel Partner/ Reseller/ DistributorIPO employees have access to MijnGeldzaken as an employee benefit. This is one of several employer partnerships through which MijnGeldzaken provides its financial platform to employees of large Dutch organizations.
• Tilburg UniversityminorChannel Partner/ Reseller/ DistributorTilburg University employees have access to MijnGeldzaken as an employee benefit. This is one of several employer partnerships through which MijnGeldzaken provides its financial platform to employees of large Dutch organizations.
• ThalesminorChannel Partner/ Reseller/ DistributorThales employees have access to MijnGeldzaken as an employee benefit. This is one of several employer partnerships through which MijnGeldzaken provides its financial platform to employees of large Dutch organizations.
• Gemeente Den Haag (Municipality of The Hague)minorChannel Partner/ Reseller/ DistributorGemeente Den Haag employees have access to MijnGeldzaken as an employee benefit. This is one of several employer partnerships through which MijnGeldzaken provides its financial platform to employees of large Dutch organizations.
• Nederlandse Banken (Dutch Banks)coreTechnology or IntegrationMijnGeldzaken integrates with nearly all Dutch banks to enable automated transaction importing. This bank connectivity is foundational to the platform's core household budgeting functionality.
• Belastingdienst (Dutch Tax Authority)coreTechnology or IntegrationMijnGeldzaken is integrated with the Dutch Tax Authority (Belastingdienst) and Mijnpensioenoverzicht.nl via DigiD, enabling users to access tax data and pension overviews within the platform for comprehensive financial planning.
• Mijnpensioenoverzicht.nl (My Pension Overview)coreTechnology or IntegrationIntegration with Mijnpensioenoverzicht.nl enables users to view their complete pension overview within the MijnGeldzaken financial dashboard, supporting the platform's retirement planning capabilities.
• IEXGeldminorStrategic or Co-development PartnerIEXGELD and MijnGeldzaken.nl collaborate to help consumers become more informed about their personal financial situation. This partnership was announced in March 2015, with IEXGELD providing financial education content and MijnGeldzaken providing the financial dashboard infrastructure.
• Startupbootcamp FinTech & CyberSecurityminorStrategic or Co-development PartnerFinBase (parent company of MijnGeldzaken) participated in the Startupbootcamp FinTech & CyberSecurity 'scale up' acceleration program for three months starting November 2017. The program was launched at the AEX opening ceremony in Amsterdam.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Money Dashboard: Money Dashboard is a UK-based PFM aggregator with bank integrations and budgeting tools. It is a direct peer operating the same open-banking consumer PFM model as MijnGeldzaken.
• Peaks: Peaks is a Dutch consumer fintech offering round-up investing and automated savings connected to Dutch bank accounts. It is a direct Dutch-market peer serving consumers seeking passive personal-finance automation with bank integration, mirroring MijnGeldzaken's Huishoudboekje user base and bank-connection model.
• Bankin': Bankin' is a European personal financial management app aggregating bank accounts across multiple countries. It is a direct product peer to MijnGeldzaken's Huishoudboekje, providing automated budgeting and cash-flow insights.
• Brand New Day: Brand New Day is one of the largest Dutch robo-advisors offering automated investment and pension products. It is a direct peer in the Dutch retail financial advisory space, overlapping with MijnGeldzaken's robo-advice and pension planning functionality.
• Moneybird: Moneybird is a Dutch online accounting and personal/business finance platform with bank integrations. It is a direct peer for Dutch consumers and SMBs managing finances with bank-connectivity, competing for the same local PFM audience.

Broad incumbents

• DeGiro: DeGiro is a Dutch retail investment platform offering brokerage and portfolio tools. It is a broad incumbent in Dutch consumer finance and overlaps with MijnGeldzaken's investment visibility and retirement-planning functionality.
• ING Bank (Personal Dashboard): ING provides native personal financial dashboards and budgeting tools within its Dutch retail banking app. It is a broad incumbent that could disintermediate MijnGeldzaken by offering similar PFM features to its existing customer base.
• bunq: bunq is a Dutch neobank offering its own in-app PFM features including automated categorization, savings goals, and multi-account overviews. As a Dutch incumbent with built-in financial dashboards, it competes with MijnGeldzaken at the consumer PFM layer.
• Raisin: Raisin is a European savings and wealth platform operating across multiple EU markets including the Netherlands. It is a broad incumbent offering savings products with bank-integrated dashboard functionality, comparable to the wealth/pension angle of MijnGeldzaken's robo-advice.

Others

• Tink: Tink is a European open-banking aggregation platform providing bank connectivity APIs to other fintechs. As a potential infrastructure provider/competitor, Tink powers many of the same bank-connection capabilities that MijnGeldzaken has built natively.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mijngeldzaken
• Facebookfacebook.com/mijngeldzaken
• LinkedInlinkedin.com/company/mijngeldzaken-nl

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MijnGeldzaken