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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.

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.

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

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.

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.

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.

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.

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.

Today marks a huge milestone for NetTrack. You asked for powerful investment tracking, deeper insights, and smarter AI support — and this release delivers all of that and more.

Say hello to NetTrack Investments, your new home for viewing, understanding, and analyzing everything you own across all connected investment accounts.

View All Your Investments in the New Investments Tab

With this update, NetTrack now automatically pulls in your holdings from your linked investment accounts — stocks, ETFs, crypto, and more.

You’ll see:

• Total portfolio value
• Holdings grouped by account
• Per-symbol breakdowns
• Gain/loss calculations
• Allocation & cost basis
• Clean, visual summaries built for clarity

No more jumping between apps or spreadsheets. Everything is now centralized, beautifully organized, and refreshed automatically.

Ask AI Chat About Your Investments

NetTrack’s AI Chat just got way smarter.

You can now ask questions like:

• “How is my portfolio doing this month?”
• “Which of my investments grew the most?”
• “What’s my allocation by asset class?”
• “How much has my Tesla position gained overall?”

Your AI assistant now understands your holdings data and can break down performance instantly — giving you real insight without the math.

New: Search Inside AI Chat

Big improvement to the chat experience: You can now search inside AI Chat to quickly find past answers, insights, or financial breakdowns.

Useful for:

• Jumping back to an analysis you liked
• Finding previous monthly summaries
• Quickly referencing older conversations

Your financial journey just became easier to navigate.

More to Come

NetTrack Investments is just the beginning. Soon, you’ll get:

• Asset-class charts
• Country/industry allocation
• Insights on diversification and risk
• Portfolio trend charts

Head to the App Store and update NetTrack to get these latest updates!

As always, let us know what you think and what you want to see in the future. You can contact us from within the app, or respond directly to this email.

Managing your money just got a lot more personal.

Now you can chat directly with your finances — right inside the NetTrack app.

We’re excited to introduce AI Chat, your new personal finance assistant designed to help you understand your money faster and more naturally than ever before.

What Is AI Chat?

AI Chat lets you have real, conversational interactions with your finances.

Instead of digging through charts or reports, just ask questions in plain English and get instant, personalized answers based on your real data.

Try asking things like:

• “What’s my net worth this month?”
• “How much did I spend on restaurants last week?”
• “What’s my savings rate over the last 3 months?”
• “Am I trending up or down compared to last month?”

Within seconds, you’ll get clear insights powered by your actual account data — no spreadsheets required.

Get Started

Update to the latest version of NetTrack next week to start chatting with your money.

Just tap the new AI Chat icon in the app — and ask away.

We’re already working on even smarter financial insights, daily summaries, and proactive suggestions to make managing your money even easier.

We’ve added two highly requested features that make tracking your financial journey even easier — and more motivating than ever.

🏆 1. Highest Net Worth Tracking

NetTrack now keeps track of your highest net worth ever recorded — and celebrates each new milestone you achieve.
Whenever your net worth hits a new all-time high, you’ll get a congratulatory notification letting you know you’ve set a new personal record.

It’s a small moment of recognition that helps you see your progress over time and stay motivated to keep growing your wealth.

💡 Tip: You can view your current and highest net worth anytime on the Home screen — complete with your growth percentage and time range.

📅 2. Manage Snapshots

You can now easily view, edit, or delete your account snapshots for any date — right from the new Manage Snapshots screen.

This makes it simple to:

• Review all your assets and debts for a specific day
• Update balances or categories if something changes
• Clean up old or demo data

Whether you’re fine-tuning your historical records or keeping things tidy, snapshot management gives you full control over your financial history.

🌟 Try It Out

These updates are now live in the latest version of NetTrack. Update to the latest version, and head to your Home screen, view your latest snapshot, and see how close you are to hitting your next record high!