Neto
MobileFinances and net worth without connecting your bank: privacy first and two-tap logging
What it does
Personal finance app (iOS, also Android) that calculates your real net worth —accounts, investments, crypto and debts— without linking your bank: everything is logged manually or via shortcuts (two taps, Apple Pay, voice, receipt scanning, CSV import). It includes recurring expenses and income, savings goals, a portfolio with stock, ETF and fund quotes, and more than 60 currencies with daily exchange rates. Its pitch is privacy: no bank links and no tracking, with a Pro subscription for advanced analytics, recurring items and export.
Who it is for
People who want to track spending and net worth without handing over their bank credentials: privacy-conscious users and those living in countries with weak open banking.
Why it can be replicated
Manual app without banking
No bank aggregators: less compliance and cost; the value lies in fast logging.
Subscription paywall
RevenueCat with weekly/monthly/annual and a 3-day trial.
ASO + build-in-public
Founder publishes metrics on X; traction depends on ASO in Finance (ES).
MVP in 5 weeks
Replication estimate; does not describe the product’s actual development.
Logging
Expense/income in two taps · Categories · Multi-currency
Net worth
Manual accounts, debts and assets · Evolution chart · Recurring items
Billing
RevenueCat paywall with trial · CSV export in Pro
Save for later
Ways to differentiate
- 1
Regionalize: LATAM FX/inflation
Dual ARS/USD or hard-currency net worth, inflation-adjusted; fits where there is no open banking.
- 2
Improve: freelancers paid in USD
Separate personal/business accounts and foreign-currency income (requested in reviews).
- 3
Translate: PT-BR
Already supports Portuguese; ASO focus on Brazil with local pricing.
Data and evidence
- Financial verification
- Pending
- Editorial review
- Nov 1, 2026
- Product language
- Not specified
- Confirmed markets
- Not specified
Active Subscriptions in the RevenueCat screenshot from the founder's post. Not audited.
The reference mentions RevenueCat. This does not certify this listing’s figure.
View financial evidence- Headline = founder's claim (RevenueCat screenshot): €535 → USD 598 (EUR/USD 1.1172, ECB Frankfurter 2026-10-30). provenance.originalMrr=535 (EUR). Basis revenue.
- Media inspected (media/HTcgROVW8AEAyB0.jpg): MRR 535€, revenue 28d 1.078€, 106 active subscriptions → customerObservation.count=106.
- TrustMRR contrast (not headline), seen 2026-11-01: MRR $648, last 30 days $682, all-time $5,759, 112 subscriptions, RevenueCat, founded Jan 2026. Matches the claim.
- App Store (ES) 2026-11-01: 'Neto: Finanzas y Patrimonio', IVAN SEVILLA RUANO (Valdemoro, Madrid), 4,3★ (93), 9 languages; IAP Semanal 1,99 €, Pro Mensual 9,99 €, Pro Anual 49,99 €. pricing.from = 9,99 € → $11.16/mo (same rate).
- Differentiation vs Margen: Neto = privacy first, manual net worth without linking the bank, ultra-fast logging; founder from Madrid. Margen = 'live' net worth with bank import and real estate, Spanish-first with LATAM reviews.
- Regionalize/improve/translate angle: LATAM with dual currency and inflation; personal/business accounts for freelancers; PT-BR.
- Soft flags: seed (~$600 MRR), crowded finance category, overlaps with Margen.
- Logo: App Store icon 512×512 rescaled to 192×192.
No comparable history available. Growth and ARPU are not estimated from different periods.
Product and links
Neto
Finances and net worth without connecting your bank: privacy first and two-tap logging
Visit the official website for the product and current pricing.
apps.apple.comNo screenshot or invented interface of the real product is shown.
