Your net worth,without the noise.
netclariq brings together accounts, expenses, budgets, loans and investments in one clear, collaborative dashboard. Your entire net worth in a single figure, no spreadsheets and no end-of-month surprises.
No card · No bank connection · Cancel anytime
Net worth
€287,916
Assets
€493,312
Debts
€205,396
-€15,033 yr
Monthly savings
€1,393
33% of income
- Cash€20,030
- Investments€28,228
- Real estate€424,718
- Vehicle€20,337
- Debts-€205,396
Your data, treated with the care you'd expect from your bank
Encrypted data hosted in the EU · Your bank credentials stay yours, no open banking · 30 days of Pro, no card required · Shared workspaces with roles
Your bank credentials stay yours
No open banking: log entries by hand or import a CSV in seconds.
Encryption and isolation
Encrypted in transit and at rest, with per-workspace permissions.
Data hosted in the EU
European infrastructure, with export or deletion in one click.
Secure payments with Paddle
Paddle acts as merchant of record and handles billing.
Four things netclariq does differently
It's not another expense tracker: it's real accounting for your net worth, with no bank credentials required.
Bank independence and full privacy
Your bank credentials stay yours.
Log your data manually or import a CSV in seconds, with no third party ever touching your online banking.
See how it worksReal double-entry accounting, made simple
The numbers always add up.
Every dollar that leaves your account lands in an investment, an asset, or pays down a debt. Zero double counting.
See how it worksInvestment tax reporting: Spain today, more countries coming
Real gains, calculated with FIFO lot tracking.
Track realized and unrealized gains with full FIFO lot tracing. Our Spain tax pack is ready today, with more countries on the roadmap.
See how it worksAdvanced debt management with amortizing loans
Understand the real impact of your mortgage.
See the exact principal-vs-interest breakdown, simulate rate changes, and decide with data whether to pay down debt or invest.
See how it works
Everything you need to manage your net worth
Nine modules working on the same data: every transaction updates your balances, your budget and your net worth without any manual reconciliation.
Accounts and balances
Checking accounts, credit cards, assets and liabilities with the balance recalculated after every transaction.
Income and expenses
Transactions, transfers and net-worth movements with categories, automatic rules and reconciliation.
Budgeting
Plan by month and by year, compare planned vs. actual and spot deviations in time.
Loans and debts
Amortizing or fixed-payment schedules, extra repayments and the total cost of debt.
Investments
Portfolios, FIFO lots, live prices, realized and unrealized gains and real return (IRR).
Tax reporting
The year's tax result with FIFO gains and dividends, ready for your tax return.
Scenario simulator
Project your net worth up to 30 years ahead with your real loans, your savings and different assumptions.
Shared workspaces
Invite your family with granular roles and permissions, so each person sees only what applies to them.
AI assistant
Ask in plain language about your spending, spot anomalies and get explanations of your numbers.
Dashboard
One single figure that sums it all up
Net worth is recalculated with every transaction: assets minus liabilities, with monthly evolution, the breakdown by asset type and financial-health indicators (savings rate, emergency fund and debt load).
Net worth
€287,916
Assets
€493,312
Debts
€205,396
-€15,033 yr
Monthly savings
€1,393
33% of income
- Cash€20,030
- Investments€28,228
- Real estate€424,718
- Vehicle€20,337
- Debts-€205,396
Budgeting
Control spending before it gets away from you
Set budgets by category, month and year, and instantly compare planned vs. actual. Rules categorize transactions automatically, and the variance report shows exactly where the money went.
Monthly budget
€1,391 of €1,500- Groceries€486 / €520
- Housing & utilities€342 / €310
- Transport€131 / €180
- Leisure & dining€218 / €200
- Health & insurance€118 / €140
- Education & other€96 / €150
Investments and taxes
Your portfolio, with returns and taxes made clear
Log purchases, sales and dividends: netclariq maintains FIFO lots, updates prices, calculates unrealized and realized gains, real return (IRR) and the year's tax result.
Portfolio · €28,228
IRR +10.1%| Asset | Value | Unrealized | IRR |
|---|---|---|---|
| VWCEVanguard FTSE All-World | €14,703 | +22.0% | +6.4% |
| MSFTMicrosoft Corp. | €4,469 | +49.6% | +12.4% |
| SANBanco Santander | €2,072 | +66.6% | +12.2% |
| BTCBitcoin | €6,984 | +57.2% | +17.4% |
How it works
Three steps from disorder to a net worth you're fully in control of.
- 1
Create your workspace
Add your accounts, cards, assets and loans with their opening balance. In ten minutes you have the full picture.
- 2
Log or import
Add transactions by hand, import them from a file, or let rules categorize them for you.
- 3
Understand your net worth
The dashboard calculates your net worth, monthly evolution, real savings and what to expect going forward.
netclariq vs. a spreadsheet
A spreadsheet works until you have loans, investments and someone else who needs to see it too.
| Need | Spreadsheet | netclariq |
|---|---|---|
| Balances always calculated | ||
| Loan amortization schedule | Manual | |
| Portfolio valued up to date | ||
| FIFO gains and tax reporting | Manual | |
| Monthly net worth history | Manual | |
| Share with family with permissions | ||
| 30-year projection | Manual |
Simple plans
Start free and upgrade when you need investments, tax reporting or family sharing. Pay yearly and get two months free.
Free
$0 / always
Get your accounts and budget in order.
- Accounts and transactions
- Budgets and categories
- Loans and debts
Pro
$12 / mo
For anyone who invests and plans long term.
- Investments and taxes
- Scenario simulator
- AI assistant and reports
Family
$19 / mo
For managing family finances together.
- Everything in Pro
- 3 workspaces and 6 members
- Roles and permissions
Compare plans in detail and check the yearly price with two months free.
Start seeing your net worth clearly today
Create a free account and try Pro for 30 days with investments, taxes, simulator and AI assistant. No card required.
netclariq is a tool for organizing and tracking your finances. It does not provide financial, investment, tax or legal advice, and its calculations are for guidance only. See how we protect your data on the security page.