Every freelancer knows the feeling. An invoice lands in your account and for a brief moment, you feel rich. Then reality kicks in: how much of this is actually mine? How much do I owe in tax? In VAT? In social security? Can I afford that new laptop, or am I spending HMRC’s money?

Most of us deal with this by guessing. Some set aside a vague percentage. Some ignore it until January and hope for the best. Some build elaborate spreadsheets that they stop updating after two weeks.

Nett was built to fix this.

One number: your real money

Open the app. See one number: Your Nett. It’s what you can actually spend right now, after setting aside income tax, VAT, and social security for your country.

That’s it. No accounting jargon. No chart of accounts. No bank reconciliation. Just the answer to the question every freelancer asks themselves every day: how much of this money is actually mine?

How it works

Log your income: manually or by scanning an invoice with your camera.
Log your expenses: same thing. Snap a photo of a receipt, or type it in.
Nett does the maths: it knows the tax rules for your country (UK, Spain, Portugal, France, Germany, Italy) and calculates what you need to set aside.

The AI scanner extracts vendor, amount, category, and VAT from any receipt or invoice in seconds. Point, shoot, done.

Privacy is not a feature, it’s the architecture

Here’s what makes Nett different from every other finance app: your data never touches our servers. Ever.

Everything lives in your private iCloud. Your invoices, your expenses and your tax data are all encrypted in your personal iCloud account. We couldn’t see your data even if we wanted to. There’s no database on our end with your financial information. No analytics on your spending. No selling your data to third parties.

This wasn’t a marketing decision. It’s a technical one. We built Nett on Apple’s CloudKit private database because we believe financial data is personal data, and personal data should stay personal.

Built for European freelancers

Tax isn’t universal. A freelancer in Spain deals with IRPF, cuota de autónomos, and quarterly VAT declarations. A freelancer in the UK deals with Income Tax, National Insurance, and Self Assessment. A freelancer in France deals with URSSAF and impôt sur le revenu.

Nett handles the specifics for six countries:

United Kingdom: Income Tax bands, National Insurance (Class 2 + 4), VAT threshold
Spain: IRPF withholdings, cuota de autónomos, IVA
Portugal: IRS, Segurança Social, IVA, recibos verdes
France: Impôt sur le revenu, cotisations URSSAF, TVA, micro-entrepreneur regime
Germany: Einkommensteuer, Umsatzsteuer, Sozialabgaben, Kleinunternehmerregelung
Italy: IRPEF, contributi INPS, IVA, regime forfettario

More countries coming based on demand.

Multi-currency for international clients

If you work with clients in different currencies, Nett saves the exchange rate at the time of each transaction. Your €500 invoice from a German client and your £1,200 invoice from a UK client are both tracked accurately in your base currency.

Free forever, Premium when you need it

The core app is free. Manual entry, tax calculations, multi-currency and iCloud sync are all free. No ads. No data harvesting.

Premium (€4.99/month or €39.99/year) adds AI-powered receipt scanning (200 scans/month), automatic categorisation, and full export for your accountant (CSV, PDF, ZIP).

3 AI scans per month are included free so you can try it before committing.

Why I built this

I’m a freelancer. I’ve been one for years. And every single month, I had the same anxiety: am I spending money that isn’t mine? I tried accounting apps. They were too complex. I tried spreadsheets. I always stopped updating them. I tried “just setting aside 30%”. Some months it was too much, some months not enough.

So I built the tool I wanted. Something that just tells me: this is yours, this is not. Simple.

Get early access

Nett is coming soon. We’re putting the finishing touches on the app and opening it up to a small group of freelancers first.

If you want to be among the first to try it, join the waitlist. You’ll get access before the public launch, and your feedback will shape what comes next.

Join the waitlist →

Have questions? Want to share feedback? Reach out at getnett.app.