True - Wealth & Tax Insight

Navigating Dutch taxes is challenging, especially for expats. How much do you really pay across Box 1, 2, and 3? What is your true net worth after taxes? True Wealth Insight delivers answers as the only app combining complete wealth tracking with full Dutch tax system calculations — plus a full suite of financial planning tools.

Built for privacy-conscious individuals who want total financial control without sending data to the cloud. All data stays securely on your device, 100% offline and GDPR-compliant.

START FREE
Begin immediately with core wealth tracking and Box 1 tax calculations at no cost. See your complete net worth and estimated income taxes.

PREMIUM UPGRADE
Unlock the full toolkit: Box 2 and Box 3 calculations, unlimited historical tracking, advanced projections, CBS comparisons, and monthly review reminders.
- 4.99 EUR / year with 7-day free trial
- 29.99 EUR once for lifetime access

CORE CAPABILITIES
- Complete Wealth Tracking – Real estate, investments, savings, crypto, pensions, mortgages, and debts in one view.
- Full Tax System Coverage – Box 1 (income, mortgage deduction, tax credits), Box 2 (substantial interest), and Box 3 (wealth tax).
- Tax Impact 2028 – Model how the upcoming Box 3 real-return reform affects your personal situation.
- Inheritance Tax Calculator – Calculate Dutch erfbelasting for different heir relationships and exemptions.
- FIRE Calculator – Find your financial independence date with a projection chart and exportable PDF.
- Rent vs Buy – Long-term financial comparison of renting versus buying.
- Buy Property vs Invest – Property purchase versus index fund investment, side by side.
- Lump Sum vs Monthly Investing – Compare a one-time investment against monthly DCA.
- Scenario Planner – Test aggressive, balanced, defensive, or custom wealth forecasts.
- Intelligent Projections – Visualize wealth and taxes over 1, 5, 10, or 20 years.
- Amortization Schedules – Monthly breakdowns of principal, interest, and remaining balance.
- Dutch-Specific Features – Fiscal partnerships, 30% ruling, WOZ values, DUO student loans, and green investment exemptions.
- Historical Insights – Track net worth growth with interactive charts over time.
- Dutch Context – Compare against CBS national averages by age group.
- Absolute Privacy – No cloud sync, no accounts, no tracking. PIN-secured on your device.
- Export PDF/CSV summaries and create encrypted ".tru" backups.

IDEAL FOR
- Expats navigating the complex Dutch tax system
- Employees (Box 1), entrepreneurs (Box 2), and investors (Box 3)
- Homeowners with mortgage interest deductions
- Anyone preparing their annual tax return (aangifte)
- Anyone planning for financial independence (FIRE)
- Privacy-focused individuals who reject cloud-based financial apps

Start free today and gain complete clarity on your wealth and tax position in the Netherlands.

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