€
From Sep 2030
By then you’ll have saved enough, and €1,000 stays in your account.
Example account: €4,850 today, €239 left over every month, €1,000 should always stay in the account.
The finance app that looks ahead. Look ahead,
Look ahead,
not back.
See where you’ll be in ten years – and what you can change today. No finance jargon.
Try it free for 14 days For Mac · no sign-up · no payment details · launch price €19.99
What you want to know
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Will it last until month-end?
End of October, forecast €4,528Your balance, what’s really available and how the month will end.
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Where will I be in a year?
Balance in September 2027 €7,084AndNext knows your fixed payments and looks up to 10 years ahead.
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When will I reach my savings goal?
New laptop, with €150 a month March 2027Set goals and see when your monthly savings will get you there.
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What happens if …?
Pay rise and less on groceries, in 3 years +€12,525Try out changes before you actually make them.
Example numbers. In AndNext, this works with your real accounts.
The overview: balance, forecast and what’s left over. With example numbers.
Try it
Can I afford it?
Enter an amount. We’ll show you when it fits.
- Based on your regular payments
- One-off or monthly
- Your minimum stays safe
Example
What AndNext shows you
Four answers you won’t get this quickly anywhere else. The numbers are an example.
Month-end
€11,040
is what you’ll be missing in 10 years if each month goes just €92 worse than planned.
Safety net
2 months
is how long you’d get by without a salary in this example. We work it out for you.
+€9,000
in 10 years if you spend 20% less on groceries. AndNext shows you your biggest levers.
Budget per day
€23
a day is what you can still spend this month: “€234 left until month-end”.
Features
Everything in one app
Accounts, fixed costs, budgets, savings goals and spending. Explained simply, without jargon.
Forecast
Your balance for the next 10 years. And what small changes can do.
As things are€100 less on eating out
more in your account+€0
Runs by itself
Transactions come in by themselves and get sorted. AndNext spots fixed costs and subscriptions on its own.
Transactions · OctoberSorts itself
RRentplanned · 1st of the month−€890Housing
BKrüger Bakerynew transaction−€4.80Groceries
SSalaryplanned · 1st of the month+€2,340Income
Alerts
We warn you in good time before your account dips into the red or a big payment is due.
Money gets tight at the end of MarchCurrent account likely at −€180
Car insurance due in 5 days€420 every six months · reserve covers it
Bank access expires soonRenew within 7 days
All accounts
Current account, savings, joint account. Transfers don’t count as spending.
Total
€4,850
- Current account€1,230
- Savings account€3,000
- Joint account€620
Savings goals
Set a goal and a date. We tell you how much you need each month.
Reach your goals faster+€0 a month
Emergency fund€3,000 of €5,000
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Holiday€640 of €1,600
–
New laptop€300 of €1,200
–
Reserves
Insurance, annual fees: AndNext tells you how much to set aside each month.
With reserve€111.66 every month
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Car insuranceDental coverLiability
How it works
In three steps
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Download AndNext and get going straight away, with every feature for 14 days.
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Quickest with a file from your online banking. For automatic updates, you set up your own free access with Enable Banking once. The app shows you how.
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AndNext spots your fixed payments and forecasts your balance up to 10 years ahead.
Your bank
2,000+ banks, 29 countries
- DKB
- ING
- Commerzbank
- N26
- Trade Republic
- Deutsche Bank
- Revolut
- Comdirect
- HypoVereinsbank
- bunq
- Postbank
- Santander
- Targobank
- Erste Bank
- ABN AMRO
- BBVA
- C24
- PayPal
- Berliner Sparkasse
- Germany
- Austria
- Belgium
- Bulgaria
- Denmark
- Estonia
- Finland
- France
- Greece
- Ireland
- Iceland
- Italy
- Croatia
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- Sweden
- Slovakia
- Slovenia
- Spain
- Ungarn
- Cyprus
Your bank isn’t listed? A CSV file from your online banking is all you need.
Is your bank included? Compared
What makes us different
We’re new, and we’ll tell you honestly where we stand.
Banking app, Excel, budget app
The usual ways
Looking ahead
Usually just the current month or a few months
Real numbers
Only shows the past, or you type everything in by hand
“Can I afford it?”
No answer, or you work it out yourself
Your data
With your bank or in the provider’s cloud
Cost
Often a subscription you pay for every year
New
AndNext
Looking ahead
Up to 10 years, and day by day within the month
Real numbers
Takes in your real numbers by itself
“Can I afford it?”
An instant answer, and from when it fits
Your data
Only on your computer, no account with us
Cost
Buy once, no subscription
A general comparison by type of solution, not a test of individual products. “Usually” and “often” mean there are exceptions.
- Not there yet
- Phone app · Web version · Sync between devices
- Not planned
- Investment accounts · Investment advice
Privacy
Your data. Stays with you.
On your computer
All your financial data stays on your computer, protected by your login. We can’t see it at all.
Read-only
AndNext reads transactions through a service licensed in the EU. It can’t move any money.
Your own lock
With a password, and Touch ID on a Mac.
Daily backup
Automatic, on your computer, and easy to restore at any time.
At the end of the month, we were often short of more money than we’d planned for. Our spreadsheets rarely matched reality. So we built AndNext.
We’re a small team from Berlin. Write to us and the reply comes straight from us.
Questions and answers
See all questionsHow long does setup take?
A few minutes. The quickest start is a file from your online banking (CSV). The direct bank connection also takes just a few minutes to set up. After that, your transactions arrive by themselves, no files needed. The app includes step-by-step instructions.
What happens after the 14 days?
Your data stays fully readable. To edit, import or fetch from your bank, you need a licence. You can unlock AndNext at any time, even in the middle of the trial.
Is my bank supported?
The direct connection works with over 2,000 banks in 29 European countries. Search for yours on our “Supported banks” page. With a CSV file, practically any bank in the world works.
Can AndNext transfer money?
No. Bank access is read-only. AndNext sees transactions and balances but can’t transfer or change anything.
How reliable is the forecast?
AndNext works with your own numbers: fixed payments, averages from your transactions and whatever you enter. When something new comes in, AndNext takes the real numbers and recalculates. Because the future is never certain, AndNext shows a likely range alongside the line.
Your future self says thanks.
Download for Mac Windows coming soon
AndNext is made for Mac. Open andnext.app on your Mac to download it.
Try it free for 14 days, then pay once: €19.99. No subscription, updates included. Launch price for the first 100 purchases, €39.99 afterwards.
No sign-up, no payment details. After the trial, everything stays readable. Buy a licence now