Nett – See what you can spend (not your bank balance)

Hi HN,

I'm an accountant and bootstrapped SaaS founder, and I built Nett (https://nett.fyi) because I kept watching the same mistake — including my own.

Founders check their bank balance, see $84K, and feel fine. As an accountant, I can tell you that number is fiction:

- $18K was deferred revenue from annual customers (money I'd already been paid but hadn't earned yet) - $21K should have been set aside for taxes - $8K in commitments I'd said yes to but hadn't hit the books - $6K in recurring costs coming due in 30 days

My real number was $31K. The gap between what my bank said and what was actually mine to spend was $53K. I didn't know that until I built this.

Nett connects to Stripe (read-only), you enter your bank balance and recurring costs, and it calculates a single number: Safe-to-Spend. It's your bank balance minus everything that's already spoken for.

It also gives you a conservative runway clock (assumes zero revenue growth — the honest version), hidden commitment tracking for the verbal yeses that don't show up anywhere, and what-if scenarios for the 2am anxiety questions ("what if I lose my biggest customer?").

The whole thing is built with Next.js, Supabase, and Stripe Connect. Dark theme, opinionated UI, no complex configuration. Setup takes under 5 minutes.

Free calculator at https://nett.fyi/calculator if you want to see the gap without signing up.

I'd love feedback on the approach. Is the "one honest number" framing useful, or do founders actually want more flexibility in how they model their finances?