Overview
Your financial picture β€” history and what's ahead
Last months β€” actual
Spending by month
Top categories
Top categories
Next months β€” projected
What's coming
Based on your fixed costs and average variable spending
Upcoming fixed payments
auto-detected
Planned scenarios
Scenarios
Scenario Planning
Plan life events and see their impact on your cash flow
Life events & scenarios
Impact on cash flow
Savings runway
How your savings balance evolves β€” actual past, projected future, and scenario impact
← Actual past balance (from transactions) Β· Dashed = projected future Β· Set your current balance above to calibrate
Transactions
Date β‡… Description Account Category Amount β‡… Exclude
Monthly breakdown
Where your money actually goes β€” by category, by month
Year in review
Annual summary of income, spending and savings
Budgets
Set monthly limits per category and track spending in real time
Savings goals
Track what you're saving toward β€” emergency fund, holiday, car, anything
Net Worth
Assets minus liabilities β€” your real financial position
Net Worth
β€”
Total Assets
β€”
Total Liabilities
β€”
Net worth over time
Updated each time you edit a value
Assets
Liabilities
Upload statements
πŸ”’ Your data stays 100% on this device β€” nothing is sent anywhere
1
Add files
β†’
2
Map columns
β†’
3
Import
Quick add β€” known bank formats
Saved bank templates Column mappings are saved automatically per bank
Danger zone
Clear transaction data
Removes all uploaded transactions. Keeps your rules, budgets and categories.
Clear all data
Permanently deletes everything β€” transactions, rules, budgets and settings. Cannot be undone.
My income
Set your monthly net income β€” fixed salary, variable, or per-month
Income type
Enter the amount that lands in your account each month after tax
Detected recurring costs
from your statements
These are auto-detected from your transaction history. Edit or remove any that are wrong.
Settings
Display
Currency
Symbol shown next to amounts
Default time horizon
Default view on Overview and Cash flow
Savings
Used to calibrate the Savings Runway chart in Scenario Planning.
Current savings balance
Total across all savings accounts today
Savings goal
Target balance β€” shown as a reference line on the runway chart
Legal
Privacy Policy

Last updated: June 2026

1. Who we are
MuntLab is a personal finance tool operated by Banextech. Contact: contact@banextech.com

2. Data we collect
MuntLab is designed with privacy as a core principle. All your financial data β€” transactions, budgets, goals, income, and settings β€” is stored exclusively on your own device using your browser's localStorage. We never receive, store, or process your financial data on any server.

3. Licence validation
When you activate or re-validate your licence key, your key and an anonymous browser fingerprint (a hash of non-personal browser properties) are sent to our Cloudflare Worker for validation. No financial data is included in this request. The fingerprint is used solely to detect abuse of licence keys.

4. Analytics
We use Cloudflare Web Analytics, a privacy-friendly analytics tool that does not use cookies and does not collect personal data. It collects only aggregate, anonymous data such as page views and referral sources. No personal identifiers are stored. See cloudflare.com/privacypolicy.

5. Payments
Payments are processed by Lemon Squeezy. We receive your email address upon purchase to deliver your licence key. We do not store payment card details. See Lemon Squeezy's privacy policy at lemonsqueezy.com/privacy.

6. Your rights (GDPR)
You have the right to access, correct, or delete any personal data we hold (your email address and licence key). To exercise these rights, email us at contact@banextech.com. Since your financial data is stored locally on your device, you can delete it at any time via Settings β†’ Danger Zone β†’ Clear all data.

7. Data retention
We retain your email and licence key for as long as your licence is active. You may request deletion at any time.

8. Changes
We may update this policy from time to time. Changes will be reflected on this page with an updated date.

Terms of Service

Last updated: June 2026

1. Acceptance
By using MuntLab, you agree to these Terms of Service. If you do not agree, do not use the app.

2. Licence
Upon purchase you receive a personal, non-transferable licence to use MuntLab. You may not share, resell, or distribute your licence key. Each key is for a single user.

3. Intellectual property
MuntLab and all its source code, design, and content are the exclusive property of Banextech. You may not copy, reverse-engineer, decompile, or create derivative works from the app without written permission.

4. No financial advice
MuntLab is a personal budgeting tool and does not provide financial, investment, tax, or legal advice. All projections and calculations are estimates for informational purposes only. Always consult a qualified professional for financial decisions.

5. No warranty
MuntLab is provided "as is" without warranty of any kind. We do not guarantee that the app will be error-free or uninterrupted. You are responsible for maintaining your own backups of your financial data.

6. Limitation of liability
To the maximum extent permitted by law, Banextech is not liable for any indirect, incidental, or consequential damages arising from your use of MuntLab, including loss of data.

7. Refunds
We offer a 14-day refund policy. If you are unsatisfied, contact us within 14 days of purchase at contact@banextech.com.

8. Governing law
These terms are governed by the laws of the Netherlands. Any disputes shall be resolved in the courts of the Netherlands.

9. Contact
Questions? Email contact@banextech.com