Your real number. Not your bank balance.
Your bank says $38,400. After deferred revenue, taxes, and commitments? $12,800. That's your real number.
For founders who sell annual or prepaid plans and can't tell how much of the bank balance is actually theirs.
Free. No credit card required. Built by an accountant with 10+ years of experience.
You already know something's off.
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.
Your real number isn't $38,400. It might be $12,800. That gap is where bad decisions happen.
Try it with your own numbers
Toggle each to see what's actually yours
Is this for you?
Nett is for you if...
- You check your bank balance before making big decisions
- You have annual contracts and aren't sure how much is really yours
- You're bootstrapped or early-stage — no CFO, no finance team
- You've ever thought 'can I actually afford this hire?'
Probably not for you if...
- You have a CFO or accountant who already tracks your real cash position
- You're pre-revenue with no customers yet
- You need full accounting software — Nett is a spending guardrail, not QuickBooks
- Your MRR is above $500K — you've likely outgrown this
Where your money actually goes before you spend it.
Safe-to-Spend
Your hero number. What you can confidently spend today after every obligation is accounted for. No guessing. No spreadsheets.
Runway Clock
Months until cash hits zero, calculated conservatively. Assumes zero revenue growth — the real number, not the hopeful one.
Hidden Commitments
The verbal yeses, upcoming contracts, and expenses that don't show up anywhere — until they do. Log them before they hit your balance.
Set up in under 5 minutes.
Enter your bank balance
Takes 10 seconds. Nett needs your real balance to calculate what you can actually spend.
Log your recurring costs
Payroll, hosting, tools, contractors. Takes 2 minutes.
Add hidden commitments
Annual renewals, tax payments, refunds owed — the obligations your bank balance hides. Optional, takes a minute.
Get your real number
Runway, Safe-to-Spend, and a plain-English explanation of exactly where your money is.
No bank connection. No OAuth. You enter the numbers, Nett does the math.
No bank login
Manual balance entry only
No auto-sync
You enter your own numbers
Encrypted
Supabase (AWS)
Delete anytime
No lock-in, no hostage data
Know your real number. Free.
No credit card. Nothing to cancel. No catch.
- Safe-to-Spend calculation
- Runway tracking
- Financial health score
- Manual bank balance
- Deferred revenue tracking
- Recurring costs & hidden commitments
Questions founders ask.
Can I just do this in a spreadsheet?+
You can. But spreadsheets go stale — and most founders stop updating them within weeks. Nett keeps the structure, does the arithmetic, and nudges you when your numbers are old. The best system is the one you actually use. See the full comparison.
I already use Baremetrics / ChartMogul.+
Those tell you how your revenue is doing. Nett tells you what you can spend. Revenue tools don't subtract deferred revenue, tax reserves, or the commitments in your head. They're complementary — revenue analytics vs. financial reality. See how we compare to Baremetrics and ChartMogul.
Is my data safe? Can you touch my money?+
Nett never connects to your bank or your payment processor. You enter your numbers; we do the arithmetic. No bank login, no OAuth, no access to your money.
Will I actually use this after the first week?+
Open it when a decision is in front of you — a hire, a tool, a contractor. Update your balance, and Safe-to-Spend, runway and what's due are on one screen. It takes a minute, and it's the minute before you spend the money.
Go deeper.
See your real Safe-to-Spend in 60 seconds.
Where the $55.9K gap comes from.
14 months became 7.8. Here's the math.
The best system is the one you actually use.
Most startup failures trace back to running out of cash — not running out of ideas.
Stop guessing. Start knowing.
Your real number is waiting.
Free. No credit card required.