01
AI Scan
Snap it. Drop it. Done.
AI reads your receipts, extracts vendor, amount, category and tax deductibility. Review, adjust if needed. One tap and it’s filed.
Built by and for freelancers
£3,200 earned.
£1,847 is yours.
That’s Nett.
Every invoice logged. Every tax reserved automatically. The number you see is the number you can spend.
Free forever. Premium from £3.99/mo.
13:20
Good morning, James
Q2 2026
£0.00
£0Income
-£0Expenses
£0Taxes
Q2 2026£0
Nov
Dec
Jan
Feb
Mar
Apr
6 monthsAverage ~£2,260/mo
What is Your Nett?
Your Nett is the money you can actually spend. We calculate it by taking your income, subtracting expenses, and setting aside estimated taxes.
Income+£5,000
Expenses−£1,200
Tax Reserve−£950
=Your Nett
£2,850Updates automatically as you add transactions.
Estimates only. Not tax advice.
Tax Breakdown
🇬🇧United Kingdom · Sole Trader
Safe to Spend
£8,014.15
Profit – Pending TaxesPeriod SummaryAmounts shown excluding VAT
Income£13,562.20
Expenses-£4,403.96
Profit£9,158.24
!
Pending TaxesIncome Tax£1,203.15
Payments on account−£420.00
Net to pay£783.15
National Insurance (Class 4)£360.94
Total Pending£1,144.09
✓
Already PaidIncluded in expenses
NI Class 2Oct 2025
£17.45NI Class 2Nov 2025
£17.45NI Class 2Dec 2025
£17.45Total Paid£52.35
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I built Nett because I never knew what I’d actually earned until my accountant told me.
Eric Lagarda
Founder, Nett
freelancers missed their UK tax deadline last year.
£110M+ in penalties. Just like that.
And that’s only the ones who filed late. Millions more paid the wrong amount, scrambled for money they’d already spent, or lived in quiet dread of January.
Source: HMRC Self Assessment 2024/25
every week, not getting paid.
Receipts. Spreadsheets. Exchange rates. Formulas.
That’s a full working day lost every week on admin that generates zero revenue. Over a year, it adds up to 300+ hours you could have spent on actual work.
Source: Clockify Freelancer Time Survey 2025
of everything you earn goes to taxes.
Do you know your real number?
Income tax, VAT, social security, quarterly payments. The exact percentage depends on your country and regime, but the question is always the same: how much of what’s in your account can you actually spend?
Based on tax rates across UK, Spain, Portugal, France, Germany and Italy
There’s a better way
From receipt to clarity
in seconds.
Step-by-step: how Nett scans receipts, calculates your tax reserve, and shows your Safe to Spend number in real time.
01 AI Scan Snap it. Drop it.
Snap it. Drop it.
Done.
AI reads your receipts, extracts vendor, amount, category and tax deductibility. Review, adjust if needed. One tap and it’s filed.
02 Safe to Spend Your real number
Your real number
always up to date.
Income tax, VAT, social security. Nett sets it all aside and shows what’s yours. Updated with every transaction. Tax rules for UK, Spain, Portugal, France, Germany, Italy & more.
03 Smart Defaults Your tax is handled.
Your tax is handled.
Before you spend it.
Log an income and Nett instantly reserves what you’ll owe in taxes. Your Nett updates in real time. The more you use it, the smarter it gets: recurring invoices get faster to review every time.
04 Done Quarter ends.
Quarter ends.
One tap.
Transaction CSVs, attached receipts, tax summary PDF: everything ready for your accountant. Stored in your private iCloud. No bank connections, no third parties.
02
Safe to Spend
Your real number always up to date.
Income tax, VAT, social security. Nett sets it all aside and shows what’s yours. Updated with every transaction. Tax rules for UK, Spain, Portugal, France, Germany, Italy & more.
03
Smart Defaults
Your tax is handled. Before you spend it.
Log an income and Nett instantly reserves what you’ll owe in taxes. Your Nett updates in real time. The more you use it, the smarter it gets: recurring invoices get faster to review every time.
04
Done
Quarter ends. One tap.
Transaction CSVs, attached receipts, tax summary PDF: everything ready for your accountant. Stored in your private iCloud. No bank connections, no third parties.
See it for yourself
Enter your income and expenses. See what’s left after taxes.
🇬🇧 United Kingdom
Annual equivalent: £48,000
Estimated taxes
Income TaxCalculated using UK progressive income tax bands.£351/mo
National InsuranceClass 2 + Class 4 National Insurance contributions.£120/mo
Total to reserve£471/mo
Effective combined rate (income tax + social contributions): 17%
Available = profit − estimated taxes (income tax + social contributions)
Current marginal rate: 20% (only on the excess).
Your Nett
£2,329
/mo
Your Nett£2,32958%
Expenses£1,20030%
Income Tax£3519%
National Insurance£1203%
We recommend reserving £471/mo for taxes
Based on estimated United Kingdom income tax rate of 17%. Estimates only.
Safe by design
Your data. Your device. No exceptions.
On-device Private iCloud
Everything stays here Your money never leaves your device
0 bank connections 0 third parties
In your private iCloud
All data lives in your personal iCloud account. We never see it.
No bank connections
We never connect to your accounts. No credentials, no read access. You enter everything yourself.
No third-party access
Your financial data is never shared, sold, or processed externally.
Still have questions?
We’ve answered the most common ones about how Nett works, pricing, and data privacy.
Read the FAQSimple pricing
Less than a pint.
Start free. Upgrade when you need AI scans.
Free forever
£0forever
Everything you need to start
- Manual income & expense entry
- Your Nett dashboard
- Multi-currency
- Basic export
- iCloud sync
- 3 AI scans/month
Recommended
Premium
£3.99/month
Billed monthly
- Everything in Free, plus:
- 200 AI scans/month*
- Smart auto-categorization
- PDF data extraction
- Full export (CSV, PDF, ZIP)
- Accountant-ready export
Need more? Extra scan packs available in-app
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