ISO tax window identified · $12,400 in savings
You live in one country. Your wealth lives in another.
Accounts, pensions, property, and equity scattered across countries — some you've lived in, some you've only invested 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.
Your data stays yours. We help you make sense of it.
If your wealth crosses borders, you've asked yourself these questions.
Are you structuring your pension investments for the correct country?
Your pensions sit where you worked. Your intended future might not. NettWorth shows the full picture across every country you've lived in, so you make informed choices.
Could a forgotten foreign asset trigger hefty tax penalties?
NettWorth tracks which rules apply to you based on your assets as well as your status like visa, tax-residency, etc., and flags them before the deadline, not after.
Would your family know where everything is?
Accounts in countries they've never lived in, documents in different languages, one person who knows where it all is. NettWorth puts everything you own and owe in one place, so your family can reach what matters when they need it most.
You've already tried to fix this.
But it now feels like a second job and the details live only in your head.
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Accurate the day you finish it, out of date from then on.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 professionals
You retain excellent tax advisors everywhere you file taxes. But assembling the whole picture was never part of anyone's engagement; so it still consumes hours, every tax season.
Fragmented by design.
Try NettWorth
Let one document make the case.
Pick one document. An old bank statement, an option grant letter, the deed only you can make sense of. Email it — or upload it in the app, if you'd rather — 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 login required. 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.
No deadline by surprise
Walk into your CPA meeting better prepared with what questions to ask and what to report, before the deadline, not after.
Hours back
Forward a document when it arrives. Leave the rest to us.
Your setup
Works with how you already run things.
With a wealth manager or tax firm in your corner
NettWorth does the assembly before the meeting. You arrive with documents organized, a current picture across every account and country, and sharper questions to ask. Billable hours go into judgment instead of data-gathering — the work you actually hired them for.
Better inputs. Better meetings.
Running it yourself
The consolidation and analysis grunt work comes off your plate. NettWorth keeps the picture current, watches deadlines and rule changes, and runs the checks you'd never find a weekend for. Every decision stays yours.
You decide. We do the homework.
Either way, NettWorth doesn't manage money, sell products, or take a commission. It prepares you.
01Consolidate
Forward it, upload it, or type it in. Your call.
Three ways to build your portfolio, each with a different comfort level around what you share. Use one, use all three, switch anytime. No bank login required for any of them.
Email your documents
Forward grant letters, statements, policy docs, and tax returns to docs@inbound.nettworth.ai from your registered email. The AI reads each one, builds the entries, and files the original. Zero typing.
To:
Auto-Ingest
docs@inbound.nettworth.ai
Upload them in the app
Rather keep financial documents out of email? Drag them straight into the app instead. Same AI reading, same zero typing — encrypted in transit and at rest, stored apart from your identity, deleted on your word.
GOOGL_RSU_Grant_2024.pdf
Uploaded · extracting holdings...
PROCESSING...91%
Or enter them yourself
Share no documents at all. Create accounts, assets, and policies by hand — NettWorth analyzes exactly what you typed, nothing more. Maximum control, same complete picture.
New assetentered by you
TypeRental property
CountryPortugal
Value€480,000
Add asset
Whichever way it comes in: every account, asset class, and country in one live picture, including the ones no aggregator can see.
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.
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, so 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, and the 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 monitors the news for local developments that impact your assets, then tells you while there's still time to act.
04Calibrate
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 even as your effort decreases.
The result: you stop reacting to your finances and start calibrating 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.
You own everything you put in. Encrypted in transit and at rest, stored apart from your identity, deleted the moment you ask.
Encrypted the whole way
It leaves your device over an encrypted connection (TLS 1.3) and is encrypted again with AES-256 the moment it lands. Nothing travels in the open.
Stored apart, locked down
Your documents sit in isolated AWS storage, separate from your portfolio. No employee has standing access. We never require a bank login — linking is optional and read-only.
Gone when you say so
Ask, and your data is deleted from our systems. We never sell it. We never train an AI on it.
Your identity never reaches the AI.
We split your name, address, ID numbers, and account numbers away from the financial figures, and keep the two halves in separate places. The AI only ever reads the financial side. It runs its analysis on your portfolio without ever 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 we build it out, and the product matures. 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. Ask for deletion 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.
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 using it ourselves.