# Nett

> Nett shows European freelancers how much money is actually theirs — after income tax, VAT, and social contributions. "Safe to Spend" for the United Kingdom, Spain, Portugal, France, Italy, and Germany.

Nett is an iOS app for freelancers and self-employed professionals. Business finance only (invoices and deductible expenses). Privacy-first: every piece of user data lives in the user's own iCloud private database and never touches Nett's servers. Freemium model — the free tier covers manual entry and the Safe to Spend dashboard; premium adds AI-powered document analysis.

## What Nett does

Freelancers earn irregular income and must reserve money for taxes. Nett automates the reserve calculation country by country, scans invoices with on-device OCR (plus optional AI analysis on premium), and surfaces a single number: your Nett — what's actually yours to spend.

## Key features

- AI-powered invoice scanning (receipts, PDFs)
- Automatic tax reserve calculation per country (income tax, VAT, social contributions)
- Safe to Spend dashboard updated in real time
- Multi-currency support with exchange rates locked per transaction
- One-tap export for accountants (CSV, PDF, ZIP)
- Privacy by design: CloudKit private database, no bank connections, no Nett server storage
- iCloud sync across devices

## Technical details

- Platform: iOS 17+
- Built with SwiftUI and SwiftData
- On-device OCR via Vision Framework
- AI document analysis via cloud API (premium only)
- Sync via CloudKit private database

## Markets

Nett supports six European freelancer regimes, each with its own localised content and embedded fiscal rules.

- United Kingdom: https://getnett.app/en-gb
- Spain: https://getnett.app/es
- Portugal: https://getnett.app/pt
- France: https://getnett.app/fr
- Italy: https://getnett.app/it
- Germany: https://getnett.app/de

Per-country regimes covered in-app:

- UK: HMRC Income Tax (personal allowance + bands), National Insurance Class 4, VAT
- Spain: IRPF (autónomo), Seguridad Social, IVA
- Portugal: IRS (recibos verdes), Segurança Social, IVA
- France: IR, cotisations sociales, TVA
- Germany: Einkommensteuer (ESt), Umsatzsteuer
- Italy: IRPEF, contributi INPS, IVA

## Blog

- Blog — United Kingdom: https://getnett.app/en-gb/blog
- Blog — Spain: https://getnett.app/es/blog
- Blog — Portugal: https://getnett.app/pt/blog
- Blog — France: https://getnett.app/fr/blog
- Blog — Italy: https://getnett.app/it/blog
- Blog — Germany: https://getnett.app/de/blog

## FAQ

- FAQ (EN): https://getnett.app/en-gb/faq
- FAQ (ES): https://getnett.app/es/faq
- FAQ (PT): https://getnett.app/pt/faq
- FAQ (FR): https://getnett.app/fr/faq
- FAQ (IT): https://getnett.app/it/faq
- FAQ (DE): https://getnett.app/de/faq

## Support

- Support (EN): https://getnett.app/en-gb/support
- Support (ES): https://getnett.app/es/soporte
- Support (PT): https://getnett.app/pt/suporte
- Support (FR): https://getnett.app/fr/assistance
- Support (IT): https://getnett.app/it/supporto
- Support (DE): https://getnett.app/de/hilfe

## Legal

Privacy Policy

- United Kingdom: https://getnett.app/en-gb/privacy
- Spain: https://getnett.app/es/privacidad
- Portugal: https://getnett.app/pt/privacidade
- France: https://getnett.app/fr/confidentialite
- Italy: https://getnett.app/it/privacy
- Germany: https://getnett.app/de/datenschutz

Terms of Service

- United Kingdom: https://getnett.app/en-gb/terms
- Spain: https://getnett.app/es/terminos
- Portugal: https://getnett.app/pt/termos
- France: https://getnett.app/fr/conditions
- Italy: https://getnett.app/it/termini
- Germany: https://getnett.app/de/nutzungsbedingungen

End User Licence Agreement

- United Kingdom: https://getnett.app/en-gb/eula
- Spain: https://getnett.app/es/cluf
- Portugal: https://getnett.app/pt/cluf
- France: https://getnett.app/fr/cluf
- Italy: https://getnett.app/it/eula
- Germany: https://getnett.app/de/eula

## Pricing

Free plan: manual entry, Safe to Spend dashboard, tax reserves, 3 AI scans per month.
Premium: £3.99/month or €4.49/month. Annual plan saves 33%. Includes 200 AI scans per month and full export.
AI scan pack: 200 additional scans for £2.99 / €2.99 (consumable, premium only).

## Use cases

- Freelancer receives a client payment and wants to know how much they can actually spend
- Self-employed person scanning invoices to track deductible business expenses
- Autónomo in Spain calculating quarterly IRPF advance payments
- UK contractor estimating the January self-assessment tax bill
- Freelancer preparing documentation for an accountant

## Machine-readable content

Every canonical page also responds as Markdown. Agents can request it three ways:

- Append `.md` to the path, e.g. `https://getnett.app/en-gb/privacy.md`
- Add `?format=md`, e.g. `https://getnett.app/en-gb/blog?format=md`
- Send `Accept: text/markdown` on a normal request

## Company

Built by Eric Lagarda. Based in Europe. Contact via getnett.app.

## Optional

- X / Twitter: https://x.com/EricLagarda