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Finance • Productivity • SaaS
Nett is an iOS app I built for myself as a freelancer working across multiple EU countries. The problem: irregular income, different tax rules per country, and never quite knowing what is actually mine to spend after the tax reserve.
After a year of spreadsheets and apps that either assumed a salary or required bank syncs I did not want, I started building Nett.
What it does:
Track income and expenses manually or via on-device OCR (Vision Framework)
Calculate a safe-to-spend number after estimated tax reserve, updated in real time
Handle 6 EU tax regimes: UK Self Assessment, ES IRPF + IVA, PT IRS + IVA, FR Micro-entrepreneur, DE Einkommensteuer + USt, IT P. IVA
Optional AI document analysis (Premium) for extracting structured data from invoices
iCloud sync, no bank connections. Data stays on device and your private iCloud
Stack
Built solo in Swift, SwiftUI, SwiftData + CloudKit. Vision Framework for on-device OCR. OpenAI for the premium AI analysis layer
Status
Pre-order live now. Public launch 16 June 2026.
Free: manual entry, basic OCR, 3 AI scans/month
Premium: €4.99/mo or €39.99/yr — 200 AI scans/month, accountant exports
Note
Nett estimates tax reserve based on public tax rates. It is tracking and planning, not filing or advice. Use it alongside your accountant, not instead of one.
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