Box 3. The 30% ruling. Toeslagen. Pensions. An AI financial coach that knows your numbers and explains it all in plain English — like having a CFO who moved here before you did.
Founding members get 50% off, forever. No spam — one email when we launch.
Sound familiar?
You earn well. You're smart. And yet every letter from the Belastingdienst is a small heart attack. Nobody explains this country's money rules in English — until now.
The tax break becomes 27% in 2027, and yours has an end date. Most expats have no plan for the income cliff that follows.
The Netherlands taxes your assets in ways your home country never did. Where your money sits suddenly matters a lot.
AOW, pillar two, jaarruimte — you nod politely at these words. Meanwhile, years of retirement gaps quietly stack up.
Toeslagen, mortgages as a foreigner, money across two countries. Every choice is a small research project in a language you're still learning.
How it works
Generic AI gives generic answers. Helder starts by understanding your actual situation — then every answer is about you.
A friendly 10-minute onboarding: income, ruling status, savings, goals. No bank logins needed to start.
“Can I afford to buy here?” “What happens if I leave NL in 2028?” Straight answers with your numbers in them.
Helder watches deadlines and rule changes for you, and nudges you before they cost you money — not after.
We're building Helder with our first 100 members. Join the waiting list now and lock in the founding price for as long as you subscribe. Cancel anytime, obviously.
Fair questions
No — Helder is financial coaching and education. It helps you understand the Dutch system, organise your money, and plan your goals. It does not tell you which investments to buy or sell, and it's not a replacement for a licensed (AFM-regulated) advisor for regulated decisions like specific investment or mortgage products. Think of it as the brilliant friend who explains everything — not a broker.
Your financial picture stays yours. Data is encrypted, never sold, and you can delete everything with one click. We start without any bank logins at all — you share only what you type.
The first version launches to the waiting list this autumn. Founding members get in first, at half price, forever.
Helder is built on the same AI technology that scores near-perfect on financial-planning exams — but every answer is grounded in your actual numbers and current Dutch rules, with sources. And for anything regulated, it will tell you honestly: “this one needs a licensed human.”
Join the waiting list — founding members get 50% off, forever.