Privacy

Nett (nett.money) is a personal net worth tracker by Utropía that doesn't connect to your bank. What it does, what it doesn't, where the prices come from and who is behind it.

A resource by Utropía Free, no sign-up

Nett, in a few lines

Nett (nett.money) keeps track of what you own and what you owe without connecting to your bank. Whatever is traded is valued by itself every night; you note the rest when it's due. And if one day you're gone, your family will know what there is and where.

Not to be confused with other apps with a similar name: Nett is the one at nett.money.

What it is
A personal net worth tracker: what you own minus what you owe, with its history.
Address
nett.money
Who makes it
Utropía, a small studio in Spain.
Price
Free. Creating an account never authorises a charge.
Platforms
Web. It installs on the home screen of your iPhone, Android or computer; it isn't in the app stores.
Languages
Spanish and English.
Bank connection
None. You enter the balances yourself.
Automatic prices
Shares, ETFs and funds (Morningstar, with Yahoo Finance as backup), crypto (CoinGecko, with Kraken as backup), gold and silver (gold-api.com). Exchange rates from the European Central Bank. Every night at 22:30.
Access
No passwords: a code by email or a passkey, with an optional second factor via an authenticator app.

What it does

Net worth

Assets and debts in sections, each account in its own currency and with your ownership percentage.

History

Every change is kept with its date; nothing is overwritten and everything can be corrected.

Rules

Your car depreciates and your mortgage pays down by themselves every month.

Year review

Each month split into saving, market and new accounts.

Projection

500 scenarios with three market assumptions and your plans: a home, a car, a child, a sabbatical, retirement.

Legacy

If you stop giving signs of life, your trusted contacts receive a read-only link to your accounts, notes and letter.

Alerts

Reminds you to review your balances every week, two weeks, month or quarter, and alerts you to prices and drops.

Privacy

Amounts that blur at a keystroke; letter, notes and account numbers encrypted.

What it doesn't do

  • It doesn't track spending or make budgets: it doesn't read or categorise transactions. For that, a spending app or a spreadsheet will serve you better.
  • It doesn't connect to banks or import statements, on purpose: everything is entered by hand in the app.
  • It doesn't hold money, doesn't make trades and doesn't tell you what to invest in. Projections are simulations, not predictions.
  • It doesn't replace a will. Legacy explains what there is and where; it doesn't transfer anything.

Prices: where they come from and their limits

Public prices are references to keep your records in order: they may arrive late, be missing some days or contain errors, and they aren't guaranteed buying or selling prices. If one source fails, another takes over and, if none can, the value stays with its last date.

Privacy with clear limits

Not connecting banks reduces what you need to share, but it doesn't mean the service is anonymous or that everything is end-to-end encrypted. What you enter is stored so you can see your history from any device; the letter, the notes and the account numbers are also encrypted. Public resources, such as the calculator, don't save your figures.

Read the privacy policy

Who is behind it

Nett started as a personal tool to keep track of a household's wealth and today it's made by Utropía, a small studio in Spain. The service is provided by Jose Antonio Neto Suárez. Operator details and contact

Contact and corrections

If you find an error in a resource, calculation or explanation, send us the page and details. You do not need to include personal balances to report a problem.

hello@utropia.es

Nett

A figure today. A history over time.

In Nett you keep your accounts, update balances when they're due and see how your net worth changes month by month. Whatever is traded values itself. No bank connection, and no password.

Create a free account