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.