Blog

We just shipped the biggest update in NetTrack’s history.

This isn’t just a feature release — it’s a complete redesign of the app from the ground up, focused on one thing: making it dramatically easier to understand and manage your money.

A Fresh Start

Over the past few months, we took a step back and rethought everything.

• How should a net worth app feel?
• What information actually matters day-to-day?
• Where do people get stuck?

The result is a completely rebuilt experience — faster, cleaner, and more intuitive across every screen.

You’ll notice it immediately.

A Brand New Look

NetTrack now has a fully redesigned interface and a new visual identity.

• A modern, minimal design that puts your data front and center
• Smoother navigation between core areas like Net Worth, Activity, and Budget
• A new logo and updated color system designed for clarity

Everything is simpler, more consistent, and easier to scan at a glance.

A Better Net Worth Experience

Your net worth dashboard is now more actionable and easier to understand.

• Clear monthly changes with visual trends
• Improved charts that highlight real progress over time
• Faster load times and smoother interactions

Instead of just showing numbers, NetTrack now helps you see momentum.

Activity That Actually Feels Usable

We rebuilt the transactions experience to feel fast and effortless.

• Cleaner transaction list with better categorization
• Improved merchant display and account context
• Faster scrolling and search

Whether you’re reviewing spending or digging into details, it just feels smoother.

Budgeting That Makes Sense

Budgeting has been redesigned to be more intuitive and flexible.

• “Ready to Assign” makes it clear how much money you still have to allocate
• Category groups are easier to scan and manage
• Overspending is surfaced clearly without being overwhelming

It’s a system that helps you stay in control without feeling like work.

Built for Speed

Under the hood, NetTrack has been completely rebuilt.

• Faster performance across the app
• More reliable data syncing
• A foundation that lets us ship new features much быстрее

This update isn’t just about today — it sets us up for everything coming next.

What’s Next

This redesign is just the beginning.

We’re already working on:

• Smarter insights into your spending and saving habits
• More powerful investment tracking
• Expanded automation and rules

Our goal is simple: make NetTrack the easiest way to understand your financial life.

Try It Now

Update the app and explore the new NetTrack.

As always, we’d love your feedback — this release was shaped heavily by what you told us, and we’re just getting started.

We’ve been hard at work expanding NetTrack’s investment experience—and this is one of our biggest updates yet.

This release gives you more control, better insights, and a smoother way to track your portfolio, whether you’re fully automated with Plaid & SnapTrade or managing things manually.

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Manual Investments Are Here

Not every investment account connects perfectly—and now it doesn’t have to.

You can now:

• Add investments manually
• Track individual holdings across accounts
• Maintain a complete view of your portfolio, even for unsupported brokers or assets

This is a huge unlock for anyone with private investments, manual trades, or accounts that don’t sync reliably.

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Built-In Ticker Research

We’ve added a dedicated research experience directly inside NetTrack.

Search for any stock or ticker and instantly view:

• Real-time pricing
• Performance across time ranges (1W, 1M, 3M, YTD, etc.)
• Clean, focused charts

No more jumping between apps just to check a stock—you can research and act in one place.

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Watchlists

Found something interesting? Save it.

With watchlists, you can:

• Track tickers you’re considering
• Monitor performance before investing
• Keep tabs on key companies without adding them to your portfolio

This pairs perfectly with the new research flow and makes NetTrack feel much more like a true investing companion—not just a tracker.

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Portfolio vs S&P 500 Comparison

One of the most important questions in investing is simple: am I actually outperforming the market?

Now you can answer that instantly.

NetTrack now lets you compare your portfolio directly against the S&P 500 (SPY), so you can:

• See if you’re outperforming or lagging the market
• Visualize your returns side-by-side
• Understand performance in context—not just raw gains

Your portfolio performance now tells a much clearer story.

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Improved Portfolio Experience

We’ve also upgraded the portfolio view to make insights clearer and more actionable:

• Time range filtering for deeper analysis
• Cleaner performance breakdowns with gains, cost basis, and returns
• More intuitive charts and visualizations

Your portfolio should be easy to understand at a glance—and now it is.

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What This Means

NetTrack is evolving beyond just “net worth tracking.”

With this release, we’re moving toward a full financial command center:

• Track everything (automated + manual)
• Research investments
• Monitor opportunities
• Compare against the market
• Understand performance

All in one place.

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What’s Next

We’re already working on:

• Deeper portfolio analytics (allocation, sectors, diversification)
• Smarter insights and recommendations
• Even better performance tracking over time

As always, feedback has been a huge driver of these features—so keep it coming.

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If you haven’t tried the new investment features yet, open NetTrack and take a look.

Your portfolio just got a lot more powerful.

We just rolled out a new update to NetTrack focused on one thing: making your experience faster and more intuitive.

If you’ve been manually tracking transactions or organizing accounts, this release should feel noticeably smoother.

Smarter Manual Transactions (Auto-Fill)

Adding transactions just got a lot easier.

When you start typing a merchant name, NetTrack now suggests matches from your previous transactions and automatically fills in key details like category, tags, and account.

This means:

• Less typing
• More consistency in your data
• Faster daily tracking

If you frequently log the same expenses (coffee, groceries, subscriptions), this makes a huge difference.

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Reorder Your Accounts

You can now fully customize how your accounts are organized.

Just long press and drag to reorder accounts within a group. Whether you want your primary checking account at the top or prefer to group things differently, you’re in control.

This is especially helpful as you add more accounts and want your dashboard to reflect what matters most to you.

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Net Worth Projections

We’ve added a new projections feature to help you see where you’re headed.

You can now:

• Estimate your future net worth
• Adjust monthly savings
• Set expected annual return
• Factor in inflation

This gives you a simple way to answer questions like:

• “Am I on track?”
• “What happens if I save a bit more each month?”
• “How does inflation impact my long-term growth?”

It’s a powerful way to connect your day-to-day tracking with your long-term goals.

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Why This Matters

A lot of NetTrack users prefer manual tracking over Plaid — and we get it. It gives you more control and awareness.

This update is designed to make manual tracking just as fast and frictionless as possible, while also giving you better insight into the future.

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More improvements are coming soon. As always, feedback is huge — keep it coming.

Managing your money starts with understanding it. That’s why we’re excited to introduce Spending Reports, now available in the NetTrack mobile app for Pro subscribers.

Three Ways to Slice Your Spending

Spending Reports let you analyze your expenses from the angle that matters most to you:

• By Category — See how much you’re spending on Groceries, Dining, Entertainment, Rent, and more. Quickly spot which areas of your life are costing the most.
• By Merchant — Find out exactly how much you’re giving to Amazon, Starbucks, or your favorite takeout spot. Sometimes the totals are surprising.
• By Tag — If you use custom tags to organize your transactions (like “vacation,” “wedding,” or “side hustle”), you can now see totals for each one.

Each group shows you the total amount, number of transactions, and its percentage of your overall spending — with a visual bar so you can compare at a glance.

Whether you’re trying to cut back on discretionary spending, track business expenses, or just get a clearer picture of your financial habits, Spending Reports gives you the visibility to make smarter decisions.

Update to the latest version of NetTrack to try it out.

Understanding what you own is just as important as knowing how much you own.

That’s why the latest NetTrack release introduces Portfolio Analytics — a powerful new way to visualize your investment exposure across sectors, industries, and countries, all in one place.

Why Portfolio Analytics Matters

Most investors think they’re diversified… until they actually see the breakdown.

Portfolio Analytics helps you answer questions like:

• Am I overexposed to tech?
• How much of my portfolio is tied to a single industry?
• Do I have meaningful international exposure?
• Where are my hidden concentration risks?

Instead of guessing, you can now see your true asset allocation instantly.

Sector Exposure at a Glance

NetTrack automatically categorizes your holdings by sector and shows:

• Percentage allocation
• Dollar value per sector
• Total portfolio exposure

This makes it easy to spot imbalances, such as a tech-heavy portfolio or underweighting healthcare or financials — especially useful if you’re aiming for long-term diversification.

Industry-Level Insights

Sectors only tell part of the story.

Portfolio Analytics goes deeper with industry-level breakdowns, letting you see exposure to areas like:

• Software
• Electronics
• Hardware
• Financial services
• Healthcare sub-industries

This is where hidden risk often lives. Two funds may look diversified on the surface, but still concentrate heavily in the same industries underneath.

Country & Geographic Exposure

Global diversification matters.

With country-level exposure, you can quickly understand:

• How much of your portfolio is domestic vs international
• Whether you’re overly dependent on a single country’s market
• Your true geographic risk profile

This is especially valuable for investors holding ETFs and mutual funds where geographic exposure isn’t always obvious.

What’s Next

Portfolio Analytics is just the beginning.

Future updates will build on this foundation with deeper insights, longer-term trends, and smarter analysis to help you make better decisions with confidence.

If you’ve ever wondered, “What am I actually invested in?” — now you know.

Keeping your finances organized shouldn’t require spreadsheets, mental notes, or remembering why you spent money six months ago. That’s why we’re excited to introduce Transaction Tags in NetTrack — a flexible new way to label, filter, and understand your transactions at a deeper level.

What Are Transaction Tags?

Transaction Tags let you attach multiple custom labels to individual transactions so you can organize spending your way — beyond traditional categories.

Some examples:

• Business
• Personal
• Tax Deductible
• Recurring
• Reimbursable

Unlike categories, tags are non-exclusive. A single transaction can have multiple tags, giving you far more control and clarity when reviewing your finances.

Why Tags Matter

Categories answer what you spent money on. Tags answer why it matters.

With tags, you can:

• Quickly identify tax-deductible expenses
• Separate business vs personal spending on the same card
• Track recurring subscriptions
• Find reimbursable expenses instantly
• Filter transactions across all accounts in seconds

Designed for Real-World Financial Workflows

Tags fit naturally into the existing NetTrack experience:

• Add or remove tags directly from the transaction list
• Search and filter by tag across all accounts
• Combine tags with categories for deeper insights
• Create and manage custom tags anytime
• Rules-based tagging for hands-off organization

Whether you’re a business owner, freelancer, or just someone who wants cleaner financial data, tags adapt to how you actually manage money.

Reporting Coming Soon

Transaction Tags are the foundation for more powerful reporting features coming next.

In upcoming releases, you’ll be able to:

• View spending summaries by tag
• Track tax-deductible totals over time
• Analyze recurring expenses more clearly
• Build custom reports powered by tags

This release lays the groundwork — reporting is the next step.

Available Now

Transaction Tags are live today. Update NetTrack and start tagging your transactions right away.

As always, your feedback shapes what’s built next. If there’s a reporting view or tag-based insight you’d love to see, let us know.

Happy tracking,
Michael
Creator of NetTrack

We’re excited to announce a major new feature in the latest NetTrack release: Envelope-Style Budgeting.

This update brings one of the most effective and proven budgeting methods into NetTrack—while keeping everything automatic, connected, and easy to use.

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What Is Envelope-Style Budgeting?

Envelope budgeting is based on a simple principle: every dollar has a job.

Instead of reviewing your spending after the month is over, you proactively assign money into categories (or “envelopes”) like Rent, Groceries, Dining, or Savings. As you spend, those envelopes are reduced in real time so you always know where you stand.

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Automatic by Default

One of the biggest advantages of NetTrack’s envelope budgeting is that there’s nothing extra you need to do.

Transactions from your connected bank and credit card accounts are automatically picked up and applied to the correct budget categories. As soon as a transaction posts, your envelopes update—no manual entry, no reconciliation, and no spreadsheets.

This means:

• Your available balances stay accurate
• Overspending is caught immediately
• You always know exactly how much you can still spend

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How It Works in NetTrack

With the new Budget tab, you can now:

• Assign your income to specific categories each month
• See your “Ready to Assign” balance at a glance
• Watch envelopes update automatically as transactions come in
• Get alerts when a category goes overspent
• Group categories like Bills, Savings, and Goals for clarity
• Carry balances forward or reset monthly—your choice

Everything stays in sync with your real financial activity.

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Available Now

Envelope-style budgeting is available now in the latest NetTrack release.
Just head to the Budget tab, assign your dollars, and let NetTrack handle the rest.

As always, feedback is welcome—this is a foundational feature and we’re excited to keep building on it.

Here’s to more intentional spending and total financial clarity.

When NetTrack launched, the goal was simple: create a clean, privacy-first way to understand your finances without the noise, upsells, or confusion found in many personal finance apps. What started as a small side project quickly turned into something much bigger – thanks entirely to you.

By the Numbers (Our First Year)

In just our first year, NetTrack has already crossed some exciting milestones:

• 1,000+ users created accounts
• 280+ financial accounts linked
• Thousands of transactions analyzed
• Countless insights were uncovered about spending, savings, and net worth

For an early-stage product built independently, these numbers mean the world. Each account represents someone who trusted NetTrack with their financial data – and that trust is something I take extremely seriously.

What We Built This Year

Over the past year, NetTrack has evolved far beyond its initial version. Some of the biggest improvements include:

• Faster and more reliable account syncing
• Clearer net worth snapshots and historical trends
• Better transaction categorization and search
• A growing foundation for smart insights and automation

Just as importantly, a lot of this progress came directly from user feedback. Many features and refinements were inspired by real messages, emails, and conversations with users who wanted a better way to track their money.

Looking Ahead to the New Year

This next year is all about depth, clarity, and intelligence.

Here’s a preview of what’s ahead:

• Smarter insights around spending patterns and savings rate
• More powerful filtering and reporting
• Improved performance across web and mobile
• Expanded automation and AI-powered financial insights
• Continued focus on privacy, transparency, and simplicity

NetTrack’s mission remains the same: help you understand your finances clearly, without stress, judgment, or unnecessary complexity.

Thank You

If you created an account, linked an account, sent feedback, reported a bug, or simply tried NetTrack out – thank you. Early support is what makes products like this possible.

I’m incredibly excited about what we’ll build together in the year ahead.

Here’s to a new year of clarity, progress, and better financial decisions.

— Michael
Founder, NetTrack

We’re excited to roll out one of our most impactful NetTrack updates yet – focused on expanding coverage, improving investment clarity, and giving you more control over how your financial picture is calculated.

Whether you’re tracking your net worth daily or reviewing long-term investment performance, this release makes NetTrack even more powerful and accurate.

Thousands of New Financial Institutions Now Supported

We’ve significantly expanded our institution coverage with Plaid’s new OAuth-enabled connections.
This means:

• Thousands of additional banks, credit unions, and fintech platforms are now supported.
• Institutions like OnePay and many others can now be linked securely.
• More users than ever can seamlessly connect their accounts without manual imports.

If you’ve tried connecting to an institution in the past and it wasn’t supported, try again! There’s a very good chance it is now.

Investment Holdings Now Displayed at the Account Level

Previously, NetTrack grouped your investment holdings at a portfolio-wide level, which made it convenient but sometimes less granular.

Now you can:

• View holdings per account instead of just across all accounts.
• Compare performance between brokerage accounts, retirement accounts, and taxable portfolios.
• Understand where each investment is held and how it contributes to your overall net worth.

This unlocks deeper insight and helps you make more informed decisions.

Manual Overrides for Investment Holdings (Cost Basis, Total Return, Avg. Cost)

Not all financial institutions provide complete or accurate cost-basis data – especially for older holdings or transferred accounts.

So we added something many users asked for:

You can now manually override holding details, including:

• Total return
• Cost basis
• Average cost per share

This ensures that your net worth and performance charts stay accurate, even when your institution’s data is incomplete.

It’s perfect for:

• Migrated brokerage accounts
• Legacy investments
• Correcting bad or missing cost basis
• Tracking manually added holdings

What’s Coming Next

Stay tuned – 2026 is going to be huge for NetTrack.

If you haven’t updated the app yet, now’s the perfect time.
And as always, thank you for helping shape the future of NetTrack. Your feedback directly drives what we build next.

As always, feel free to reply directly to this email or through the contact form in the app.

We’ve released a new update to NetTrack, focused on improving clarity, usability, and insight into your financial picture. This release introduces two key improvements: a refreshed app icon and a new cash flow trend chart designed to make income and expense patterns easier to understand at a glance.

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Updated App Icon

The NetTrack app icon has been refreshed to better represent long-term financial growth and progress. The new design is cleaner, more modern, and fits naturally with current iOS visual styles, especially in dark mode. While subtle, this update improves how the app feels on your home screen and aligns the visual identity more closely with the product’s purpose.

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New Income vs. Expenses Trend Chart

The highlight of this release is the new Cash Flow Trend chart. This feature is designed to help you quickly understand how money is moving in and out over time, beyond just tracking balances or net worth totals.

With the new chart, you can:

• Compare income versus expenses over time
• Switch between weekly and monthly views
• See current-period performance alongside a previous period
• Identify trends, spikes, or changes in spending behavior

This makes it easier to spot patterns such as rising expenses, inconsistent income, or improving cash flow without needing to dig through individual transactions.

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What’s Coming Next

We’ll continue refining visualizations and expanding insights to make NetTrack an even more powerful tool for understanding your finances. As always, feedback helps shape what we build next, and we appreciate everyone using and supporting the app.

If you haven’t already, update to the latest version to check out the new cash flow trend chart and refreshed look.