# Dutch Defend: NL Expat Finance — Your Dutch Money Co-Pilot

> Your Dutch Money Co-Pilot (iPhone/iPad app by Jacob Ortega.)

- Source: https://appshunter.io/ios/app/dutch-defend-nl-expat-finance/id6793840652 (this page in markdown: same URL + `.md`)
- Developer: [Jacob Ortega](https://appshunter.io/developer/6793840105)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 36 MB
- Languages: American English
- Released: 2026-08-04
- Data updated: 2026-10-29

## What is Dutch Defend?

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.

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

## Is Dutch Defend safe?

Not enough ratings yet to assess Dutch Defend.

## Is Dutch Defend legit?

Dutch Defend: NL Expat Finance has limited verification signals. The AppsHunter Legitimacy Score for Dutch Defend is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 4 releases)

### 1.1.0 — 2026-10-08

Job Switch asks for the legal contract end date separately from the last working day, shows accrued holiday allowance and 13th month in the settlement, a cash-buffer estimate, payroll tax credit and WW application guidance, and a settlement waterfall chart. Offer Check separates the base monthly estimate from annual extras, shows where the gross goes (cash anatomy bar and a side-by-side compare), flags stated probation periods and unknown employee pension contributions, and treats the 30% ruling as "review needed" when extra pay decides the salary test. Timeline gets a 12-month Defense Horizon. The Dashboard shows a savings runway line. Holiday Pot and 13th Month now show "Net: review needed" instead of a flat-rate net. The Contract Locker links to official renter guidance, and Job Switch links to official guidance for an unpaid transition payment. Estimates carry more explicit review states instead of confident numbers, and smoother result reveals respect reduced motion.

### 1.0.8 — 2026-09-26

Dutch Defend Pro lifetime unlock is now EUR 2.99 (one-time). Bug fixes and stability improvements.

### 1.0.7 — 2026-09-23

- Live net income preview added to onboarding, so you see the impact of your inputs in real time
- Export your Defense Summary and Job Switch comparison as a PDF, right from your device
- Visual polish and stability improvements

### 1.0 — 2026-08-04

No release notes.

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## More apps by Jacob Ortega

- [Flits: Screenshot to Calendar](https://appshunter.io/ios/app/flits-screenshot-to-calendar/id6793840103)

All apps by Jacob Ortega: https://appshunter.io/developer/6793840105

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-29.*