Neto: Money & Net Worth

Iván Sevilla Ruano

In-app purchases

About this app

Your money without connecting your bank. Neto works out your real net worth by adding up accounts, investments and crypto, then subtracting what you owe. Log an expense in two taps and watch your money grow.

Tired of complex apps that force you to connect your bank? Neto is built for people who want simplicity, premium design and real security. Your financial data is yours alone: no bank links, no tracking, just you and your goals.

COMPLETE PRIVACY, NO BANK REQUIRED
You never share banking credentials or sync accounts. Log your transactions in seconds. Your data travels encrypted and is only used to run the app: never sold, never shared, and no ads.

LOG AN EXPENSE WITHOUT TYPING IT
• Scan the receipt with your camera and Neto reads the amount and the merchant
• Automatic payment capture: grant the permission and Neto reads the Google Wallet notification when you pay with your phone, then logs the expense for you
• We never access your bank or your cards, only the notification your phone already receives

EXPENSES AND INCOME
• Log anything in two taps
• Custom categories with clear icons
• Automated recurring income and expenses: rent, bills and subscriptions log themselves every month
• Merchant logos you recognise at a glance
• Search that covers your entire history

ACCOUNTS AND TRANSFERS
• Bank, cash, card or an account in another currency: create the ones you actually use
• Transfers between accounts, even across currencies
• Per-account and total balance, always current

BUDGETS THAT WARN YOU IN TIME
Set a monthly limit per category and Neto warns you before you go over, not once it is too late.

CLEAR, USEFUL ANALYTICS
• Charts by day, week, month or year
• Advanced analytics to spot spending patterns
• Comparison against the previous period
• Cloud sync across all your devices

INVESTMENTS, CRYPTO AND REAL NET WORTH
• Stocks, ETFs and investment funds by ISIN with live prices
• Crypto: bitcoin, ethereum and whatever else you hold, valued daily
• Add what is not listed: your car, your flat
• Record your debts and loans
Add it all up and subtract what you owe: that is your real net worth, not just the pretty half.

SAVINGS GOALS
Set clear targets and watch yourself get closer with every contribution. With reminders if you drift.

EXPORT YOUR DATA
Download every transaction as CSV in one tap. No waiting, your data is always yours.

SECURITY
• Lock with fingerprint or face recognition
• Hide balances with one tap when someone looks over your shoulder
• Delete your account and all your data from inside the app

YOUR CURRENCY, YOUR LANGUAGE
Over 60 currencies, from the euro and the dollar to the Mexican peso, Brazilian real, pound, Swiss franc, yen, zloty, Swedish krona or Saudi riyal. Each account in its own currency, with totals converted using daily exchange rates.

Available in Spanish, English, Portuguese, French, German and Italian.

PREMIUM EXPERIENCE
• Light and dark mode
• Home screen widget with your balance
• Minimalist design, no ads

NETO PRO
Unlock everything with the Pro subscription: unlimited categories, recurring transactions, advanced analytics, receipt scanning, automatic payment capture and CSV export.
Download Neto free and start actually controlling your money.

Privacy Policy: https://www.netoapp.es/legal/privacidad
Terms of Use: https://www.netoapp.es/legal/terminos

What’s new

• Press and hold the Neto icon to log an expense without opening the app. Income, net worth and telling us something is wrong are there too.
• The green screen no longer shows up when you come back with fingerprint lock on.
• Neto opens faster on Android.