The smartest bookkeeping app for ZZP'ers

Bookkeeping,
done for you.

Payments matched. Receipts read. BTW return drafted. All while you got on with your work.

50% off for life when you join before 31 December 2026.Request early access
INGRabobankABN AMRObunqand 1,000+ more banks
Capture everything

Send it in. We’ll book it.

Netto picks the category and BTW and finds the matching bank payment.

Snap a receipt in the app

Netto AI.

Invoices and getting paid

Get paid faster.

Invoices go out with an iDEAL or card payment link, powered by Mollie. Paid invoices close themselves. Late ones get a reminder, drafted for you.

Go paperless.

Keep every receipt digitally for the full seven years the Belastingdienst requires. Throw the paper away. Missing a receipt? You’ll get a reminder.

Know your BTW every day.

Not just at the end of the quarter. When the quarter closes, your return is ready to check.

Set aside for BTW€ 4,118for the Q3 return, due 31 October
Your accountant

Bring your accountant.

Free access for them. They see your books, comment on anything, and download everything at year-end. No more spreadsheets over email.

Also in Netto

Quotes, hours and income tax.

Quotes

Send a quote. When your client accepts it, it becomes an invoice in one click.

Hours

Log your time and see where you stand against the 1,225-hour criterion.

Income tax

An estimate of this year’s income tax that moves with your profit, so the bill is no surprise.

Made for the Netherlands

Dutch rules, in English.

Show terms in

Quarterly BTW

VAT returnAangifte omzetbelasting

Prepared from your own invoices and receipts. You file it yourself, with the figures Netto gives you.

Reverse charge and ICP

Reverse chargebtw verlegd

Reverse charge worded correctly, ICP prepared alongside the return.

KOR threshold

Small business schemeKleineondernemersregeling

Invoices and returns stay consistent with the KOR, and you can see where you stand against the threshold.

1,225-hour criterion

Hours criterionUrencriterium

Counted against the 1,225-hour criterion through the year.

EU and non-EU clients

EU sales listingICP-opgaaf

Each invoice gets the BTW treatment that fits where your client is and whether they are a business.

Other currencies

Foreign currencyVreemde valuta

Invoice in dollars or pounds. Netto books the euro value at the rate of the invoice date.

Your data is safe.

  • Read-only bank access. We can’t move money.
  • Hosted in the EU.
  • Encrypted in transit and at rest.
  • Never used to train AI.

Questions, answered.

Does Netto file my BTW?

It prepares the return, box by box. You check it and file it yourself in Mijn Belastingdienst Zakelijk, with the figures Netto gives you.

Do I need to speak Dutch?

No. The whole app works in English, and the Dutch terms you meet at the Belastingdienst are shown next to their English names.

Can Netto move my money?

No. Bank access is read-only: Netto sees your balance and your transactions, and can never make a payment.

Can I really throw away paper receipts?

Yes, once they’re stored in Netto. The Belastingdienst accepts a digital copy as long as it is complete and readable, and Netto keeps it for the seven years you have to.

Can I switch from Moneybird?

Yes. Bring your contacts, your opening balance, your bank history and your open invoices from Moneybird, e-Boekhouden or Jortt. It takes about ten minutes.

Start with this quarter.

Takes about ten minutes.

Request early access