Belgian Personal Finance • 2026

Know exactly what you own.
Know exactly what you owe.

Zinto tracks your income, investments, trading, debts and expenses — with Belgium's full tax engine built in. No surprises at tax season.

GDPR COMPLIANT
YOUR DATA STAYS YOURS
€10,000CGT EXEMPTION
33% / 10%SPECULATIVE VS LONG
581BELGIAN COMMUNES
14+CURRENCIES
THE PROBLEM

Belgian finance is complicated.
Your tracker shouldn't be.

01

You don't know your real net worth

Most tools show gross assets. Zinto shows what you'd actually have after settling with the Belgian state — the honest number.

02

Tax season is always a surprise

CGT, Reynders tax, beurstaks, municipal surcharges. They add up. Zinto tracks every liability in real time so nothing catches you off guard.

03

Logging is too much friction

Type 'paid rent 950' and it's categorised, dated, and saved. Or use voice. The app does the rest — powered by our integrated AI.

FEATURES

Everything you need.
Nothing you don't.

Day trading onramp / offramp

Log every KCEX, Bybit, or Breakout transfer. Net P&L calculated automatically. 33% speculative CGT tracked in real time.

Long-term investments

FIFO cost basis engine. €10,000 CGT exemption tracker. Reynders bond tax split. Supports Bybit, DeGiro, Saxo, eToro.

Income with tax status

Log salary, tips, cash wages, dividends and freelance. Pre-tax and post-tax tracking. Employment withholding documented.

Debt tracking — any currency

Log debts in EUR, USD, AED, NPR or any currency. Auto-converted to EUR at live rates. Full repayment history per creditor.

AI expense parsing

Type or speak naturally. Powered by Zinto AI. Instant categorisation. No manual entry required.

MyMinfin tax export

One click generates a PDF with exact codes 1444, 1160, 1140 and 1250 ready to enter in your Belgian IPP declaration.

HOW IT WORKS

Three steps to financial clarity.

01

Create your account

Sign up with your email. Set your commune for municipal surcharge rates. Takes 60 seconds.

02

Log as you go

Every salary, every trade transfer, every bill. Takes 10 seconds per entry. Voice input supported.

03

Arrive at tax season prepared

Your full Belgian tax picture is always up to date. Export to PDF when you need to file.

PRIVACY

Your financial data
stays yours.

Zinto is built on the principle that your most sensitive data — your finances — should never leave your control. We designed the architecture to make data extraction by us technically impossible.

Learn about your rights →
Your data is stored in our secure PostgreSQL engine
AI features use our integrated master API key
No ads. No third-party tracking. No selling data.
GDPR compliant by design — you are the controller
Export everything as CSV or JSON at any time
Delete your account and all data instantly
GET STARTED

Start knowing your real financial position.

Your data, your control.

Start Free Integration