Liquidity matters
Investments mean more when compared with cash and short-term needs.
Investments in Neto PRO
See investments next to the rest of your money
Crypto, stocks, ETFs, funds, assets, and debt make more sense when they sit next to your spending and cash position. Neto ties them together in one net worth view.
Quick answer: Neto is an iPhone and Android app that tracks the value of your index funds, ETFs, stocks and crypto next to the rest of your money: funds are found by ISIN (Financial Times prices), stocks and ETFs by ticker (Marketstack) and crypto by name (CoinGecko). It is not a broker: it does not buy or sell, it only values what you already hold. Investment tracking is part of Neto PRO (€1.99/week or €49.99/year on iPhone; €2.39/week or €59.99/year on Android), with no limit on assets.
CryptoStocks and ETFsFunds and custom assets
Why investment tracking belongs inside net worth
Debt matters too
A portfolio alone can look strong while debt quietly changes the real picture.
One view reduces noise
You stop jumping between broker screens, bank apps, and notes.
The best-known
Search your fund, ETF, stock or crypto
More than 10,000 searchable assets in the app: crypto, stocks, ETFs and funds from 27 exchanges, with automatic pricing in Neto Pro. Here are the 100 best-known; if yours isn't here, search for it in the app or add it by hand with your own price.
Why mixing investments and spending makes sense
Keeping investments apart from day-to-day money usually leaves the picture incomplete. Neto puts both together to answer one question: is your net worth growing?
- Compare liquid money against invested money.
- Include debts, so the picture isn't flattering by omission.
- Convert currencies to reach a single global figure.
- See how much each type of asset weighs in your net worth.
Tracking an investment is not the same as trading it
Neto is not a broker: it does not buy, sell or move your money. What it does is value what you already hold, with prices updated daily, so you know what your portfolio is worth today without opening five different apps.
That distinction matters more than it sounds. If you hold funds at a bank, shares at a broker and some crypto on an exchange, each platform shows you its slice and none of them shows the total. The number you actually want (how much you have invested overall and what weight it carries inside your net worth) appears in none of the three.
If your portfolio rests on a global index fund, the catalogue lists the MSCI World ETFs and funds and the FTSE All-World ones, with their ISIN and fees, so you can check that Neto tracks yours before adding it.
Why a return on its own is misleading
"I'm up 12%" says very little without knowing what it is 12% of. On €500 that is €60; on €40,000 it is €4,800. And if you have been contributing monthly, the percentage your broker shows is almost never the one you earned, because every contribution went in at a different price.
So what helps is seeing both figures together: how much you put in and what it is worth now. The gap between them is your real result, in euros, which is the unit decisions are actually made in.
- Look at the whole, not each position: one that drops 30% may be 2% of your portfolio.
- Compare against what you contributed, not against the all-time high. The high is a point that already passed and only serves to make you feel worse.
- Review monthly, not daily. Daily you only see noise, and noise is what makes people sell at the worst moment.
Frequently asked questions about investments
Is Neto a broker?
No. Neto can't buy or sell anything. It only records and displays investments.
Does Neto give financial advice?
No. Neto doesn't recommend what to buy or sell. It's a tool for organising and tracking.
Is investment tracking free?
No. Investment tracking (crypto, stocks, ETFs and funds) is part of Neto PRO. The free plan covers accounts, spending, budgets, goals and multi-currency.
Does Neto buy or sell for me?
No. It is not a broker or an adviser: it executes nothing and recommends no products. It only records and values what you tell it you hold.
Where do the prices come from?
From market data providers, updated daily. Funds are identified by ISIN, shares and ETFs by ticker.
Can I track assets in another currency?
Yes. Each asset keeps its own currency and Neto converts it into your main one to give you a single net worth figure.