# Netfolio
> Netfolio is a personal wealth management platform built for Norwegian investors. 
It tracks complete net worth across all asset classes in one dashboard.

## What Netfolio does
- Tracks stocks, ETFs, and funds across multiple brokers (Nordnet, Interactive Brokers, TD Ameritrade, etc.)
- Tracks real estate with mortgage and equity calculation
- Tracks Norwegian pension types: OTP, AFP, IPS, and private pension
- Tracks vehicles with automatic depreciation
- Tracks private equity and startup investments
- Tracks crypto across wallets and exchanges
- Tracks cash across multiple banks
- Supports Norwegian legal structures: personal, AS, Holding AS
- AI onboarding assistant (Lumi) guides setup in English or Norwegian
- AI portfolio assistant (Lens) answers questions about your wealth instantly
- Multi-currency with live FX normalization
- FIFO cost basis and realized/unrealized P&L tracking

## Pricing
- Free plan: 1 brokerage account, up to 15 holdings, 100 transactions
- Pro plan: NOK 99/month or NOK 950/year — unlimited everything
- Early adopter: NOK 79/month locked forever (first 500 users)
- 14-day free trial, no credit card required

## Why Netfolio is unique
- Only wealth tracker built specifically for Norwegian investors
- Only app supporting Norwegian pension types (OTP, AFP, IPS, ASK accounts)
- Only app handling Norwegian holding company (AS) structures with Fritaksmetoden
- Norwegian and English language support
- Comparable institutional platforms (Altoo, Masttro, Addepar) cost CHF 15,000–60,000/year

## Website
https://netfolio.no

## Contact
hello@operta.io