Build a financial plan for the cross-border life you want to lead.
You live in one country. Your wealth lives in another.
When your accounts, pensions, property and tax obligations span countries, it’s hard to see your finances as one picture.
NettWorth brings it together: what you own, what you owe, where it sits and how it fits together. Then, a specialist helps you turn that picture into decisions.
If your wealth crosses borders, you've asked yourself these questions.
Are you structuring your pensions for the right country?
Your pensions sit where you worked. Your future might not. A cross-border specialist looks at them together, across every system you've paid into, so you decide where and how to draw them before the rules decide for you.
Could a forgotten foreign asset trigger a tax problem?
NettWorth tracks which rules apply to you, based on where you live and where your assets sit, and flags deadlines in each country before they pass, not after.
Would your family know where everything is?
Accounts in countries they've never lived in, documents in languages they don't read, one person who knows where it all is. NettWorth keeps what you own and owe in one place your family can reach when they need it.
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Accurate the day you finish it, out of date from then on.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.
Start with a conversation, not a form.
Bring the situation as it is. No documents to gather, no questionnaire to fill in. A specialist listens, maps the countries and assets involved, and tells you where the decisions are.
From there, NettWorth turns it into one structured picture and a plan you can act on. The picture stays current after the plan is done.
- 01 · Talk
A conversation
Talk it through with a cross-border specialist. The pension you left behind, the property you rent out, the return you're unsure about.
- 02 · See
A structured picture
NettWorth organizes it: what you own, what you owe, where it sits and how it fits together.
- 03 · Plan
A plan
The decisions that matter, in order, each with its trade-offs and a rough number attached.
- 04 · Keep
A picture that stays current
The NettWorth app is yours to keep. New documents slot in, deadlines in each country are tracked, and the plan is revisited as life changes.
What you get back
A plan you can act on
A cross-border specialist turns your picture into decisions, in order, with the trade-offs spelled out.
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.
Hours back
Forward a document when it arrives. Leave the rest to us.
Your setup
However you run things today, the plan fits around it.
Running it yourself
You make the calls. NettWorth keeps the picture current and watches deadlines in every country you're tied to, and your specialist is there when a decision needs a second pair of eyes.
You decide. We do the homework.
With professionals in one or more countries
A tax accountant in Sweden, a wealth manager in India, a notaire in France. Each sees their part. We hold the whole picture and the plan, so every meeting starts from the same facts and nothing falls between them.
One plan. Everyone on the same page.
Missing someone somewhere?
Where a question needs regulated product advice, local tax representation or specialist legal work, we say so, frame the question, and help you find the right professional to answer it.
We frame it. They answer it.
In every case, NettWorth doesn't manage your money, charge a percentage of your assets, or take payment from product providers for placement.
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.
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.
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.
Whichever way it comes in: every account, asset class, and country in one live picture, including the ones no aggregator can see.
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 apartment, the holding clock on property you own abroad, the pension rule taking effect where you used to work.
The funds in your Swedish investment account charge 1.1% a year. Comparable index funds run near 0.2%. On €1.78M, that gap is about €16,000 a year.
1,200 Spotify RSUs vest on 15 November. They are taxed as salary in Sweden when they vest, and there is no sale or tax plan on record.
Your Indian mutual funds and NRE account have no nominee on record. Without one, your family faces a slower claim process in India.
4.8% of your net worth is cash, and half of it sits in India. Plan the currency move before the November tax bill in Sweden.
- 1Retirement income3 systems
Gap: Swedish, Swiss and German pensions never projected together.
Next: Project one retirement income across all three, then decide where to retire from.
- 2Swiss Pillar 2CHF 1,128,000
Gap: Untouched since the move.
Next: Decide whether to transfer, keep or draw it. The options depend on where you live when you claim.
- 3Apartment, Paris~€70k at stake
Gap: Sale timing never modelled.
Next: Model the French holding-period relief before deciding to sell or keep.
A plan, with a person behind it.
Once your picture is in one place, a cross-border specialist works through it with you: the gaps, the deadlines and the structural problems, each with a rough number attached. You get the decisions in the order they matter, and the reasoning behind each one.
The plan covers goals, structure, timing and tax position across your countries. We take engagements where we can properly cover the jurisdictions involved. Where a question requires regulated product advice, local tax representation, or specialist legal work, we say so and help frame the question for the right professional.
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. Knowing what selling, moving or retiring costs in each country before you do it.
No commitment. Or , and export or delete your data whenever you like.
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.
You'll be talking to Roy.
Born in India, Roy has worked in China, Hong Kong, Germany, Switzerland and France. Pensions in several countries, property in three: he built NettWorth because he needed it himself. Every plan is reviewed by him before it reaches you.
NettWorth is based in Basel, Switzerland. We work in English and frame the cross-border question; we don't file local returns or represent you before a tax authority.