Neville, who represented England 71 times as a player, told a gender summit in Edinburgh that she could only secure more funding for her sport by improving on previous performances against elite sides, rather than winning against all-comers.
Football was willing to spend more simply on the basis of winning games, she said.
"Investment should be based on improvement within football, not on winning," Neville said.
"We've been doing semi-finals for the last 20 years but we had to get gold to secure funding. That is a real difficult thing for me, to start with."
Neville said she was astonished the England women's football team goalkeeping coach — a man — earned $124,000 a year while she has never even earned $18,000 a year from sport. She said the maximum she has earned throughout her career was $1300 a month but pointed out her brothers, Gary and Phil, have earned $35,000 a week.
"We are a unique sport, we are a women's sport, we are a very successful sport now and people should pay attention to that," she said
"It is quite disappointing that you are constantly being faced with that.
"Now, the comparable thing is of my brother being in women's football as the head coach and me being in women's netball. Obviously we've never had a discussion on wages but the goalkeeping coach for women's football is getting [$124,000] (£70,000) a year, which was nothing like what I was earning."