// financial reality engine
Your bank says $84,000. But some of that money is already spoken for — you just haven't paid it yet. Nett shows you what's actually yours to spend.
14 days free. No credit card required.
You check your balance. It looks fine. But in the back of your head, you're doing math.
The annual Vercel bill is coming. You haven't set aside anything for taxes. Three customers paid annually — that revenue is spent, you just haven't delivered the service yet. And you told a contractor they could start next month.
Your real number isn't $84,000. It might be $31,000. And the difference between those two numbers is the difference between a confident hire and a cash crisis.
The verbal yeses, upcoming contracts, and "we'll sort it out" conversations that don't show up anywhere — until they do.
25% of revenue is already gone. Most founders remember this in April.
Annual plan customers paid you upfront. You haven't earned it yet. It's not yours to spend.
Your Nett Number
You have $84,000 in the bank.
$53,000 is spoken for.
You can safely spend $31,000.
Calculated from your real Stripe data, your actual bank balance, and every commitment you've made — verbal or otherwise. Conservative by default. No growth assumptions baked in.
One click, read-only. Nett pulls your revenue, subscriptions, and deferred obligations automatically.
Nett syncs your real balance and detects recurring expenses you might have forgotten.
Payroll, hosting, tools, contractors. Takes 2 minutes.
Runway, Safe-to-Spend, and a plain-English explanation of exactly where your money is.
Read-only access. We can see the numbers. We can't touch the money.
Your hero number. What you can confidently spend today after every obligation is accounted for.
Stops you from: hiring on a number that isn't real.
Months of runway, calculated conservatively, assuming zero revenue growth.
Stops you from: believing your own optimistic projections.
Log the verbal yeses and upcoming expenses that don't exist in any spreadsheet.
Stops you from: forgetting the $3,000/month contractor you greenlit in Slack.
"What if I hire someone at $6K/month?" Answered instantly, without a spreadsheet.
Stops you from: making big decisions based on vibes.
Your recurring fixed costs in one place. Updated when your costs change, not when you remember.
Stops you from: using a number in your head that stopped being true six months ago.
Every month: what you thought your runway was versus what it actually was, and why.
Stops you from: being surprised by your own finances.
14 days free. No credit card required.
After your trial, $39/month. Cancel anytime.
Read-only access. We can see your numbers. We can't touch your money.
Now you will.
Start your free trial