Common questions.

Households living in Western Europe or Scandinavia whose wealth, pensions, income or tax obligations span more than one country, typically with household income of €120,000 or more. Most are either Indian-origin professionals living in Europe, or Europeans who have moved between European countries.

We take engagements where we can properly cover the jurisdictions involved. If everything you have sits in one country, a good local planner will serve you better.

You describe the situation as it is: the countries you're tied to, what you hold, and what you're unsure about. No documents are needed for the first conversation.

At the end you get a package and a fee in writing, and a decision to make. Nothing proceeds until you have made it.

No. Planning covers goals, structure, timing and tax position across your countries. We will tell you that you need retirement provision and how big the gap is, and which kind of thing closes it. Naming a specific product or fund is regulated advice and someone else's job; where a question needs it, we say so and help you frame it for the right professional.

NettWorth doesn't manage your money, charge a percentage of your assets, or take payment from product providers for placement.

No. We frame the cross-border question and prepare you for your tax professionals in each country, with your documents organized and the right questions ready. Local filing and representation before a tax authority stay with them.

Engagements are annual packages: the plan, a review every six months, two more meetings whenever you need them, and a year of the NettWorth app. The fee depends on the countries and moving parts involved and is quoted in writing after the first conversation. It is never a percentage of what you hold.

If you'd like to look around first, the app is available on its own with a 15-day free trial.

That is the situation it was built for. Accounts, pensions, property, equity and debts sit in one household view, converted to your home currency, with each position's country attached. Tax years that don't line up (a calendar year in one country, April to March in another) sit on one calendar.

We take engagements where we can properly cover the jurisdictions involved, and we tell you plainly where a question needs a local professional.

No bank login is required. Forward documents by email, upload them in the app, or type entries in by hand if you'd rather share no documents at all. Documents in languages you don't read are read and structured for you.

Everything is encrypted in transit and at rest, stored apart from your identity, and deleted when you ask.

Yes. Each person in the household has their own login and their own tax residences, and you choose what you share. The map of where things are no longer lives in one person's head, so your family can reach it when they need it.

No. Most cross-border households keep their professionals in each country. Each of them sees their part; we hold the whole picture and the plan, so every meeting starts from the same facts and nothing falls between them. Where a country is missing someone, we help you find the right professional.

Basel, Switzerland. The practice works in English. NettWorth is owned and operated by Raining Code Technologies AG.

The app uses AI to read and structure your documents and to surface patterns in your own data. It doesn't generate market opinions, and nothing happens because the software said so: every figure links back to the document it came from, and every plan is reviewed by a person before it reaches you.

Your identity is kept apart from your financial figures, and your data is never used to train AI models.