ISO tax window identified · $12,400 in savings
You live in one country. Your wealth lives in three.
Accounts, pensions, property, and equity scattered across the countries you've lived in. Deadlines in two tax systems. Documents in languages your family doesn't read. NettWorth puts your cross-border financial life in one place and keeps it current.
You're not trusting us with your money, but with the analysis that helps you make the decisions on what to do with it.
No bank logins. Start with a single document. Export or delete everything, anytime.
If you hold assets across borders, you've asked yourself these questions.
Are you planning your retirement in the wrong country?
Your pensions sit where you worked. Your future might not. NettWorth values your retirement in both systems, so the decision rests on numbers instead of guesses.
Did you miss an account you were supposed to report?
Reporting thresholds like FBAR's $10,000 apply to all your foreign accounts combined. NettWorth tracks which rules apply to you and flags them before the deadline, not after.
Could your family find everything if you weren't here tomorrow?
Accounts in three countries, documents in different languages, and one person who knows where it all is. NettWorth is the map your family can actually open.
You've already tried to fix this.
Every fix works for a while. Then it breaks the same way.
The spreadsheet
Accurate the day you finish it, out of date from then on. It doesn't know the exchange rate moved, a grant vested, or an account crossed a reporting threshold. And only you can make sense of it.
Breaks from staleness.
The shared Drive folder
It stores the deed faithfully but can't read what's in it. It knows you have a file called pension_2019.pdf. It doesn't know the policy inside has no nominee, and it won't tell you when that starts to matter.
Storage without insights.
The professional advisors
Your accountant in one country has never seen the other country's forms. Each advisor gives you a correct answer to a third of your situation, and you stitch them all together yourself.
Stops at every border.
Doing it yourself
It works and that's the sad problem. You can read the treaty, track the deadlines, build the decision matrix. Now you have a second job, and the whole system lives in your head, where your family can't reach it if you're no longer there.
Does not survive you.
Four workarounds. One band-aid: You.
Give it a try
Don't trust us yet. Test us.
Pick one document. An old bank statement, an option grant letter, the deed only you can make sense of. Forward it and watch what comes back: what's inside, structured, with anything worth your attention flagged.
If that doesn't earn the second document, delete the first and walk away. Nothing here asks for your financial life up front.
No bank logins. Deletion is one click, and it's gone.
zurich_pension_2016.pdf
Forwarded 9:14 — read 9:15
ProviderAXA Switzerland · Pillar 2
Vested balanceCHF 84,200
Last contributionMarch 2016 — dormant since
Worth a look: no beneficiary on record, and this account has been dormant for ten years. Swiss Pillar 2 balances can be transferred or cashed out after permanent departure.
What you get back
Money found
Fee drag, idle cash, duplicate cover. The leaks you'd find if analysis were your full-time job.
Taxes caught in time
Vest windows, estimated payments, exemption clocks. Decisions made before deadlines, not after.
Penalties avoided
Unfiled foreign-account reports start at $10,000 per violation. You'll never meet that number.
Hours back
Forward a document when it arrives. Leave the rest to us.
Using it comes down to four steps.
The first one is forwarding an email. Each step after that takes less of your time than the one before, because the system carries more of the weight.
01Consolidate
Forward the document. We do the data entry. Forever.
Email statements, grant letters, deeds, and policies. The AI reads them, builds your portfolio, and keeps it current as new documents arrive. The quarterly spreadsheet afternoon is gone.
Encrypted in transit and at rest · No bank logins, ever · Export or delete everything, anytime
1
Email your documents
Forward grant letters, statements, policy docs, and tax returns to docs@inbound.nettworth.ai from your registered email. Start with one. Send the rest when we've earned them.
To:
Auto-Ingest
docs@inbound.nettworth.ai
2
We construct your portfolio
Our AI extracts and verifies every holding: equity, real estate, retirement, cross-border accounts, assembled into one view.
GOOGL_RSU_Grant_2024.pdf
Extracting holdings...
PROCESSING...91%
3
Your complete picture. Finally.
Every account, asset class, and country in one place. Including the ones no app has ever been able to see.
Portfolio
$8,040,000 totalStocks & Equity
$4,150k
Real Estate
$2,400k
Retirement
$780k
Cross-border
$710k
02Understand
Find what you're missing, without doing the analysis.
Concentration. Fee drag. Idle cash. Beneficiary gaps. Surfaced from your actual holdings, not a questionnaire. And because your assets sit in countries you don't live in, NettWorth watches what you can't: the metro line approved near your plot, the capital-gains rule that changed where you own property, the pension regulation taking effect where you used to work.
Equity concentration relative to your total net worth
Cross-border deadlines: FBAR, foreign pension reporting, exit-tax windows
Fee drag across every account and asset class
News that moves your assets: infrastructure projects near your property, tax-rule changes where you own
Liquidity shortfalls against your own 6-month runway
Alerts
4 require attention
Fee LeakageAct now
Your 401k costs 0.82%/year. The same Vanguard fund at Fidelity: 0.05%. That's $6,200/year in avoidable drag.
Vesting Window14 days
2,500 GOOGL RSUs vest June 12. No exercise decision on record. Window closes in 14 days.
Beneficiary GapReview
Your 401k and 2 life insurance policies have no beneficiary on record. These assets go to your estate, not your family.
LiquidityMonitor
6.4% of your net worth is liquid. For a 6-month runway, you're short by $38,000.
Ask Sheldon
Knows your actual portfolio
Ask anything about your portfolio
What tax decisions do I need to make this year?
Three things this year:Your 2,500 GOOGL RSUs vest June 12 — you need an exercise decision before then. At current price that's ~$290k of ordinary income. Your foreign rental income ($8,400 equiv.) wasn't captured in last year's filing — FBAR deadline is June 30. And your 401k fees are running 0.77% above market; rolling to Fidelity saves $6,200/year.
03Plan
Never learn about a deadline after it's passed.
Sheldon is connected to your actual portfolio. When you ask what tax decisions you need to make this year, the answer comes from your real vesting schedule, your actual cross-border exposure, and your actual fee structure. A specific answer for a specific situation.
And it doesn't wait to be asked. It watches your deadlines and the news that touches your assets, then tells you while there's still time to act.
Exercise windows & ISOs
Timed to your actual vest schedule
Cross-border deadlines
FBAR, PFIC, NRI compliance calendars
Tax exposure scenarios
What changes if you act now vs. in Q4
Events that move your assets
Rule changes and projects near your property, flagged as they're announced
04Level Up
Next year is easier than this year.
Most financial tools show you a snapshot. NettWorth builds memory. It already knows your cost basis, your residency timeline, your filing history. Every document it has read makes the next question faster to answer. The work compounds. Yours doesn't grow.
The result: you stop reacting to your finances and start running them. Timing decisions around residency. Exercising options with full AMT visibility. Knowing what a move costs before you make it.
Lock in Founder benefits for life.
Your data
Built for privacy and security.
Your data stays yours. Always.
Your identity never reaches the AI.
Every document you send is encrypted with AES-256 the moment it arrives. We separate your name, address, ID numbers, and account numbers from the financial figures, and store the two halves in different places. The AI only ever reads the financial side. It can run its analysis on your portfolio without knowing the portfolio belongs to you.
Your data doesn't train our AI.
We don't use your portfolio, your documents, or your decisions to train or fine-tune any model — ours or anyone else's. The platform gets sharper as more people join and the anonymised corpus grows. Your individual data is not a teaching set.
Your data stays yours.
Export it whenever you want, in a portable format, straight from your account. Delete it whenever you want, and it leaves our systems. If NettWorth is ever acquired, your data doesn't transfer with the company — the acquirer either re-commits to these terms in writing, or you get a 90-day window to take your data and close the account first.
The security architecture is public.
What we encrypt, how your identity is separated from your financial data, and what happens to your data if we're ever acquired — all of it documented.
Built by people who have lived this.
Four countries, four legal systems, assets in formats no standard app could handle. The founders built NettWorth because they were the users it was designed for. Every product decision comes from that.
Our model
Before you share a single document.
We charge a flat fee.
One price, regardless of how much your portfolio grows. You pay us to keep you informed and contextualize what is happening. No AUM percentage, no commissions, no incentive to push transactions.
We process the documents you send us.
Grant letters, policy documents, property deeds, K-1s. You forward them; we extract and structure everything. You never hand over a bank login.
The decision is always yours.
We surface what's in your portfolio and analyze how external events may affect it. What you do with that is your call — there's no trade button in NettWorth and we do not monetize your actions.
We're the first users.
NettWorth started as a founder's spreadsheet: pensions in Switzerland and Hong Kong, accounts in India and France, property deeds in a language only one of us can read. It took three days to build the spreadsheet and was out of date within a month. NettWorth is what we built when we realized that the spreadsheet would never keep up. We manage our own portfolios on NettWorth.
Roy & Antonin
Co-founders, and the product's first two users. Their story →
Pricing
Founding Cohort
Founding Member
For the first hundred. Locked at this price forever.
$8/ mo
Billed annually at $100
15-day trial. No charge if you cancel.
What's included
- Everything in Family — locked at this price for life
- "Founding Member" status on your account
- Direct line to the founders during alpha
- Priority access to new features as they ship
Family
Your household. Every asset. Every country.
$25/ mo
15-day trial. No charge if you cancel.
What's included
- Unlimited assets, accounts, currencies, documents
- You and your partner: separate logins, one household view
- Children's accounts and custodial assets included
- Equity, RSUs, options, and private holdings — first-class
- Cross-border and multi-jurisdiction support
- AI conversation credits included monthly
Coming Soon
Family Office
Holding companies, trusts, and multi-entity household structures.
$2,500/ year
In active development. Be first to know when it ships.
What's included
- Everything in Family
- Multi-entity structures: trusts, holding companies, legal entities
- Multi-principal access and shared views
Unlimited on every plan: assets, accounts, currencies, documents, net-worth views. AI conversations draw from a monthly credit allocation; replenish anytime.