Fast capture
Log expenses, income, and transfers with enough context to be useful later.
Expense tracking
Track spending without living in a spreadsheet
Neto helps you log what comes in and what goes out, organize it by category, and see whether your budget is on track from your iPhone.
Expenses and incomeBudgetsCategories
What a good expense tracker should solve
Category clarity
Categories answer where money goes, not just which merchant charged you.
Budget feedback
Budgets are useful when they warn you before the month is already gone.
Faster than leaving it all to month end
Neto is built for logging in the moment. Reduce the friction and the habit survives, which is when your data actually starts being useful.
- Log a manual expense in seconds.
- Use Siri, Apple Pay, the widget, deep links or receipt scanning when you want to go faster.
- Set up recurring transactions for subscriptions, rent, the gym or fixed income with Neto PRO.
You'll see your net worth too
Tracking spending is the first step. Neto also adds up accounts, savings, investments and debts so you can see whether your money is actually growing.
Recording a lot matters less than categorising well
Almost everyone who abandons an expense app does it for the same reason: they end up with two hundred entries and no conclusion. The problem was never recording too little, it was that everything landed in "Other".
A category earns its place if it lets you make a different decision. "Food" lumps the weekly shop together with eating out, and those two are controlled in completely different ways: the first you optimise, the second you decide. Splitting them changes what you do; having fifteen categories you never look at does not.
- Start with few categories and split one only when you notice it mixes different decisions.
- Fixed costs go together and get reviewed once a year, not monthly: looking at them more often does not control them.
- Keep an explicit "treats" category. Without one the spending does not disappear, it hides inside another and dirties the data.
The thirty seconds that decide whether you keep using it
Recording competes with the moment of paying. If logging a coffee takes longer than buying it, it does not get logged, and an expense app with gaps is worthless, because the figure stops being trustworthy exactly when you need it.
So what really sustains the habit is not willpower, it is the number of taps. In Neto an expense is logged on the spot, from the widget or with the automatic capture features, without opening the whole app or walking through menus. That is the difference between a complete month of data and three weeks full of holes.
Frequently asked questions about expense tracking
Do I have to connect my bank to track spending?
No. In Neto you track your spending manually, without giving anyone access to your bank.
Can I use several accounts?
Yes. You can create bank, cash, savings or card accounts, each with its own currency and colour.
Can I move money between accounts?
Yes. Internal transfers move balance around without counting as spending or income.
How many categories are too many?
If looking at the summary you would not do anything differently for two of them, you have too many. The sign of a good category is that its number suggests an action.
Do I have to record absolutely everything?
You do not need to chase the cents, but you do need to be consistent: a month at 60% is worse than a full month of rounded figures. Gaps are what destroy the usefulness of the data.
What if I forget for several days?
Catch up with a rough figure per category. An approximate amount is infinitely better than a gap, because a gap makes the total lie.