Personal Financial Intelligence

Your personal CFO.
Finally.

Netto applies Balance Sheet, P&L, and Cash Flow logic to your private life, giving you sovereign control over every cent.

Total Net Worth
€142,850
trending_up+€1,240
Assets
€189,400
Liabilities
-€46,550
Savings Rate
34.2%
account_balance

Balance Sheet thinking

View your life as a collection of assets and liabilities. Understand true equity, not just account balances.

analytics

P&L for real life

Track income against fixed and variable costs. Know exactly where your monthly operating margin goes.

water_drop

Cash Flow clarity

Anticipate liquidity gaps before they happen with automated projections based on your historical velocity.

One app. Two modes. Your pace.

Switch between effortless tracking and deep institutional analysis with a single tap.

Simple Mode

Everyday
🏠 Housing€1,200
🚗 Transport€340
Daily life€680

“Clean, visual, and focused on the now.”

CFO Mode

Professional
Gross Operating Income+€6,450.00
Fixed Operating Costs−€2,120.00
Variable OPEX−€1,020.00
Net Result (EBITDA)+€3,310.00

“Precision accounting for the individual.”

22
Screens tracked
3
Financial statements
Real-time
Net worth
PWA
Works offline
N

Start knowing
your numbers.

No ads. No data selling. Just your sovereign financial ledger, encrypted for your eyes only.