Accounts and spending
Create accounts for banks, cash, savings, or cards and log spending and income by account and category.
Personal finance on iPhone
See all your money clearly from your iPhone
Neto brings together accounts, cash, spending, budgets, savings goals, investments, and debt so you can understand your net worth without a spreadsheet or a bank connection.
Free to startNo bank sync6 languages
What Neto helps you track
Budgets and savings goals
Set category limits and savings goals so you can see progress instead of relying on vague intentions.
Investments and debt
Neto PRO brings crypto, stocks, ETFs, funds, assets, and debt into one net worth view.
Manual by design
- Privacy: no banking credentials and no bank connection.
- Flexibility: works with any bank, cash, and multiple currencies.
- Speed: Apple Pay, Siri, widgets, receipt scanning, and recurring entries reduce friction.
Free vs Neto PRO
Neto free
- Accounts and transactions
- Transfers between accounts
- Default categories
- Budgets, goals and multi-currency
Neto PRO
- Investments and advanced net worth
- Professional statistics
- Recurring transactions
- Custom categories and app icon
Start with one clear screen
Download Neto and create your first account. Within minutes you'll have a clearer view of your spending, savings and net worth.
How much time it actually takes to keep up
The question that decides whether a finance app lasts more than two weeks is not what features it has, but how much time it asks for each day. If it is five minutes, it does not survive: nobody spends five minutes a day logging expenses, however good their intentions.
The reasonable target is a few seconds per expense, at the moment you pay, without opening the whole app. From there everything else updates itself: net worth recalculates, categories fill in and the monthly summary exists without you building it.
- Home screen widget: log without entering the app.
- Face ID: the app stays locked even when the phone is unlocked.
- Hide balances: check your phone on the train without showing your accounts.
What to review in the first month
The first month is not for judging anything, it is for calibrating. The categories you picked on day one are almost never the ones you need, and the limits you set by eye come out too tight or too loose.
When the month closes there are three things to look at: which category took more than you expected, which one you never used (that one is surplus) and whether your net worth went up or down. With those three answers, the second month is yours.
Frequently asked questions
Does Neto work on Android?
Neto is on the App Store for iPhone and also on Google Play for Android.
Does Neto connect to my bank?
No. Neto is manual on purpose: it never asks for banking credentials or account access. You record your accounts and movements, and keep the control and the privacy.
Is it useful if I'm just starting with my finances?
Yes. You can start with accounts, expenses and basic budgets, and add investments or debts when you need them.
Does it work offline?
Yes for recording. What needs a connection is refreshing investment prices and exchange rates.
Is there an Android version?
Yes, the same app and the same data. There is a dedicated page for the Android version.
What happens if I change phone?
Your data is tied to your account, so you sign in on the new phone and it is there. It does not depend on the device.