Your spending, savings and net worth in one app
Neto adds up your spending, savings goals and investments (crypto and stocks in real time) to show you the only number that matters: your net worth. No bank connection required.
- Free forever
- No bank connections
- Encrypted data
- 12,000+downloads
- 90countries using Neto
- 62currencies supported
62 currencies available.
Track your finances in the currency you prefer. Support for currencies from Europe, the Americas, Asia and beyond.
Choose your main currency when you sign up. You can change it anytime.
The problem
Sound familiar?.
If any of these happen to you, Neto is for you.
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You don't know where your money goes each month (or your patterns)
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You constantly lose receipts and tickets
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Your savings goals never actually happen
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Finance apps feel way too complex
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You have no idea what your real net worth is across accounts, crypto and stocks.
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Your investments are scattered across 4 apps and never reconcile.
Everything included
Everything you need to manage your money
Built for daily use, without the complexity.
Unlimited income & expenses
Log all your transactions, edit, delete and search them easily.
Smart categories
15 expense and 6 income categories built-in. Custom categories in Pro.
Multi-account + transfers
Unlimited accounts: cash, cards, banks. Transfer balance between them without counting as expense.
Real-time cryptoPRO
Track Bitcoin, Ethereum, Solana and 20+ more with live prices via CoinGecko.
Stocks, ETFs & fundsPRO
Search and add any ticker (Apple, NVDA, MSCI World…). Live prices and performance.
Historical net worthPRO
Net worth chart for the last 180 days, with daily auto-snapshots.
Unlimited savings goalsPRO
Create virtual piggy banks for specific goals. Neto calculates your progress automatically.
Recurring transactionsPRO
Netflix, rent, gym… recorded automatically every week/month without reminders.
Total privacy · 62 currencies · 6 languages
No bank connections. Your data encrypted and never shared. EUR, USD, MXN and 25 more.
Investments
Your portfolio, in the same app as your spending.
Crypto, stocks, ETFs, funds, gold, real estate. Add them and Neto calculates current value, performance and % of your total net worth.
Live crypto
Bitcoin, Ethereum, Solana and 20+ more. Prices refreshed via CoinGecko every ~5 min.
Stocks, ETFs & funds
Search any ticker (AAPL, NVDA, MSCI World…) via Marketstack and Financial Times. Prices and performance always up to date.
Physical assets
Gold, silver, vehicles, real estate. Manual value with quick updates from the app.
Neto is not a broker. We don't execute orders. Read-only, so you have clarity.
Portfolio
Bitcoin
BTC
€9,920
+5.2%
Apple Inc.
AAPL
€4,380
+1.8%
MSCI World ETF
IWDA
€6,240
-0.3%
Illustrative example
Available assets
Can Neto track your fund? Check it.
Crypto via CoinGecko and virtually any stock, ETF or fund with a ticker (US, Europe, Spain…) via Marketstack and Financial Times. Search yours.
Not on the list… yet
It's only a selection of the most popular. Neto can track many more. Tell us which one you're missing.
Email us at hello@netoapp.esShows a selection of the most searched assets. Neto is not a broker: it only reads public prices to value what you already hold.
Net worth
Finally, one number that tells the truth.
Assets − debts = your net worth. Neto calculates it in real time and saves a daily snapshot so you can see how it grows (or not) month after month.
Net worth
€48,320
Illustrative example
How it works
So easy you'll use it every day.
Four simple steps. No spreadsheets. No hassle.
Log your spending
Manual or by scanning a receipt. 30 seconds a day.
Categorize it
Automatic or your way. You're in control.
Add your assets
Add crypto, stocks, ETFs, gold, real estate or cash. Real-time prices (Pro).
Understand your net worth
Balance, charts, net worth and goals. Decisions with real data.
The outcome
Imagine knowing exactly how much you can spend today.
More clarity, less anxiety.
Stop living with money anxiety
Save for that trip without sacrificing your daily life
Make decisions with real data, not guesses
Feel in control (finally)
Finally know if you're richer than last month
Trust
Privacy first. Always.
No bank connections. Your data stays yours.
No bank connections
You decide what to track. Nothing is shared with third parties.
Encrypted in transit
All your information travels protected end-to-end.
Password recovery
If you forget your password, recover it securely via email.
Account deletion
You can delete your account and all your data anytime.
Pricing
Free to start. PRO for those who get serious.
All the essentials for free. PRO unlocks real-time investments and historical net worth.
Free
No cardFor clarity from day one.
- Unlimited transactions
- 15 expense + 6 income categories
- Multi-account with transfers
- Up to 3 assets, prices not real-time
- Current net worth (no history)
- 62 currencies, dark mode, 6 languages
Free forever
€1,99/week
or €49.99/year
Real-time investments, historical net worth and advanced tools.
- Unlimited assets (crypto, stocks, ETFs, funds, gold, real estate…)
- Real-time prices for crypto (CoinGecko) and stocks (FMP)
- 180-day net worth history + daily auto-snapshots
- Advanced performance (weighted avg, P&L, % per asset)
- Unlimited savings goals + custom categories
- Recurring transactions + advanced analytics
- CSV export + early access to new features
Real-time market data via:
Common questions
FAQ.
Quick answers, no fine print.
What do I see on Home?+
On Home you'll see the total of all your accounts and your recent activity (income and expenses). It's your quick daily summary.
How do I create my first account?+
Go to Accounts (bottom right) and tap to create your first account. Enter the bank/account name (for example Revolut) and your current balance. Tap Save. You can create as many accounts as you want.
How do I add income or an expense?+
Tap the + button. Choose expense or income, amount, date, notes, the account, and the category. If you want, you can also save the receipt. Tap Save and it will show up on Home.
Can I edit or delete a transaction?+
Yes. In the transaction list on Home, swipe left on any transaction and you'll see Edit or Delete options. You can also tap the transaction to view full details.
What is a historical expense and why doesn't it change my balance?+
If you pick a date earlier than your tracking start date, the expense is saved as historical. It will appear in Analytics/Statistics, but it won't reduce your current account balance. Historical items show with a small clock icon and slightly muted text in the list.
What is Calendar/Analytics for?+
From the 2nd icon in the bottom menu you can see breakdowns by day/week/month/year, compare with the previous period, and review charts, top categories and category distribution.
How do Savings Goals work?+
Savings Goals (Pro plan only) let you create virtual piggy banks for specific objectives. Set the name (e.g. Trip to Japan), target amount, and make deposits. Neto will automatically calculate your progress and how much is remaining.
Start controlling your money today.
Download Neto and start seeing your spending, investments and net worth in one place.
✓ Free forever • ✓ No bank connections • ✓ Your data encrypted