About NettWorth
The Founders
Rohit (Roy) Chikballapur
Roy started his career in Beijing at Schlumberger and then went on to spend 6 years in Greater-China before moving to Europe. He caught the startup bug and spent nearly eight years as co-founder and CEO of machIQ (an industrial SaaS company) and has since stayed on in the startup world holding several leadership positions in Series-B/C startups, shipping AI products and ensuring they deliver value.
Born in India, work has taken him to China, Hong Kong, Taiwan, Germany, Switzerland and France. Pension accounts in multiple countries, property in three, a French wife staring at a property deed written in Kannada. NettWorth is the tool he needed and had to build himself.
Schlumberger · Schneider Electric · machIQ · Stanford
BLR → PEK → HKG → CDG → BSL
Antonin
Antonin trained at CentraleSupélec and cut his teeth building military tactical radio networks and drone communications systems at Sagem. A field where cyber-security is not an afterthought. He then spent nearly eight years as CTO of machIQ, having cofounded it with Roy, taking the engineering from zero to enterprise scale.
Antonin is French, based in Poland, navigating his own cross-border financial life. He joined NettWorth for the same reason Roy built it: the problem is real and nobody has solved it properly.
CentraleSupélec
CDG → WRO
Our Story in Roy's Words
The idea for NettWorth started at a kitchen table, staring at a handwritten deed in Kannada (four generations of my family's plot of land in India, written in a script my French wife couldn't read).
I looked at my wife, looking at the inscrutable document and asked myself "If something happens to me tomorrow, would my wife and children even know what they own, let alone how to manage it?"
We were global professionals with what looked impressive on paper: pension accounts in Switzerland and Hong Kong, bank accounts across India and France, properties in three countries. But that "wealth" wasn't a safety net. It was an inheritance nightmare waiting to be lived.
We opened a spreadsheet and spent days documenting everything. When we finally looked at the total, we felt something we hadn't felt in years: control.
That feeling lasted about ten minutes.
The spreadsheet told us what we had, but not what to do. We were sitting on years of stagnant cash. Children of the 2008 financial crisis, we'd missed a decade of growth because we were too scared to make the wrong move.
The Industry Doesn't Want to Help
I made an appointment with a Relationship Manager at a major bank, ready to discuss cross-border complexity, tax implications, generational planning.
Instead, he pointed to my phone and asked me to fill out a multiple-choice risk questionnaire on their app.
"If the market drops 10%, do you: (A) Sell (B) Hold?"
I thought: If I have to do this on a 6-inch screen while you watch, why am I paying you?
That's when I understood: The wealth management industry serves two groups: the ultra-wealthy and the masses. High earners fall through the gap. We're profitable enough to exploit, but not yet rich enough to serve.
Antonin was feeling the same frustration from his side of the world. Living abroad, managing an international marriage, getting his finances in order as a new father. Different lives, same problem: no system that actually models your financial reality.
Concentration Risk
Your net worth is locked in ISOs and RSUs. On paper, you're a millionaire. In reality, your job, portfolio, and home equity are tied to the same sector.
What We're Building
NettWorth is the tool I wish I'd had at that kitchen table.
We build a Digital Twin of your financial life. Not a dashboard showing what you already know, but an intelligence layer modeling scenarios you haven't considered.
What happens if you lose your job next quarter? What's your real tax liability if you exercise those options today versus next year? How correlated is your house value to your company stock?
We're not here to tell you what to buy. We give you the institutional-quality research and frameworks that used to require a family office. So you can make better decisions yourself.
You're not unsophisticated. You're underserved.
We're changing that.