Control how much money you really have left

The most advanced and private personal finance app. Track your expenses without banks, without clouds, and with total freedom. NETO calculates your real available money by subtracting your budgets and fixed bills from your income.

Google Play Próximamente

Real control of your money

NETO is not just an expense manager; it's your financial brain. Unlike other apps that only look at the past or your current bank account, NETO looks to the future. It knows exactly what bills you have pending and how much money you can spend today without compromising your savings or your end-of-month bills.

All under an exquisite interface with glassmorphism aesthetics and native dark mode, designed to be as fast as you.

Why choose NETO?

Radical Privacy

Your finances are yours. NETO does not use servers. No accounts. No tracking. Your data lives exclusively encrypted on your device.

No Bank Connection

Goodbye to giving your passwords to third parties. You have absolute manual control. Because financial freedom begins with the sovereignty of your data.

Smart Calculation

We differentiate between fixed expenses, wants, and needs. "Real Available" is the data you really need to live peacefully.

Smart Import

Coming from another app or the bank? Import any CSV file. NETO recognizes the usual formats of Spanish and European banking.

PREMIUM Features

AI Receipt Scanner

Forget typing. Take a photo of your receipt and our advanced AI will automatically extract the amount, date, merchant and assign the appropriate category.

Shortcuts Automation

Automatically log in NETO all payments made with your iPhone via Apple Pay. Create the shortcut once and forget about manual tracking.

Total Bank Mode

Know exactly the total money you have in your bank account. Enter your initial balance and the app will add and subtract transactions without needing to connect your banks for security.

Subscription Manager

Control your recurring payments (Netflix, Gym, Rent). Know when the next charge arrives and deduct it preventively from your budget.

Control Center and Widgets

Add expenses without launching the app via the native button in iOS Control Center. Dynamic widgets that show your balance in real time.

50/30/20 Rule

Automatic analysis of your habits. Discover if you are spending too much on wants or if your needs are suffocating your saving capacity.

Local-First Architecture

NETO works perfectly offline. Your data is always with you, available instantly, with the speed and security of a local database (SQLite/SwiftData).