Every payment you receive has BTW and income tax already owed in it. Opex connects to your bank and shows you one number: what's actually yours to spend.
Your bank shows €6,200. But €1,800 of that is already Belastingdienst's — you just don't know it yet.
Variable income month to month. No way to know if a slow month is a problem or just normal variance.
Moneybird tracks invoices. Your bank tracks balance. Nothing tells you what's safe to actually spend.
Connect once. Opex does the rest — calculating your real tax obligations and spendable income in real time, every day.
Secure, read-only access. No write permissions. No payment initiation. Your data is never shared or sold.
Every incoming payment is automatically split: your share, your VAT obligation, your income tax buffer, and your fixed costs.
Not your bank balance. Not last month's average. The exact amount that is yours — right now, updated in real time with every transaction.
Not a generic budgeting app. Not an accounting tool. A decision engine built specifically for ZZP-ers who earn variably and want financial clarity without the overhead.
Whether you earn €1k or €6k this month, Opex adjusts your spendable number in real time. No manual updates. No mental math. No guessing on a slow month.
You don't need to understand BTW or Inkomstenbelasting to use Opex. Connect your bank and see one number. That's it. The tax logic runs in the background, automatically.
Opex isn't a replacement. It's the thing your accountant wishes you had all year — so tax season isn't a guessing game and you're never caught short by a bill you didn't see coming.
I used to guess. Gut feeling, mostly. Now I just look at one number. That's it.
I had €4,200 in my account and thought I was fine. Opex showed me €1,400 of it was already for taxes. That was a wake-up call I needed.
My accountant does this calculation once a year. Opex does it every single day. That changes how I think about money completely.
Signup during beta locks your price. It never increases — even when we ship new features.
Full access during closed beta. All features. No credit card.
Lock in this price at beta signup. Includes everything — spendable dashboard, tax buffer, cash flow view.
Full feature set including invoicing, scenario modelling, and priority support. Available after beta.
Beta pricing locks in at signup. Price never increases for early members.
Closed beta. Dutch ZZP-ers only. Free during beta.
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