MFFT Now Costs Money. Writing That Sentence Was the Hard Part.

I rewrote one paragraph on the pay screen nine times last week. The code behind it took an afternoon. The paragraph took four days.

Here's the version that survived: MFFT costs 4,99 € a month, 49,90 € a year, or 299 € once and never again. VAT included. Every plan is the same app. There is no locked tier and no "pro" feature held hostage behind the expensive button.

You can read the whole thing at myfinancialfreedomtracker.com/en/pricing without logging in.

Why I kept rewriting it

Because I have loud opinions about how other apps handle this, and I didn't want to quietly become the thing I complain about.

No ads. No investor telling me to grow at any cost. Nobody buying your spending history. That leaves exactly one way to pay for servers, market data and an encrypted database in the EU, and it's you.

So the split is printed on the page. Roughly a quarter of your 4,99 € goes to servers, a quarter to market data, 15% to the database, a quarter to building the next thing, and the rest to payment fees and whatever breaks. It's a rough split, not audited accounting. I'd rather show you a rough true number than a polished vague one.

If you signed up before the plans existed, your first year is on me. Not a launch gimmick. It just felt like the only decent option for people who used this thing while it was held together with hope.

Settings went from eight tabs to four

Eight tabs. I added them one at a time over a year and never once looked at the row as a whole.

Budgeting now holds your budgeting preferences, your accounts and your uploaded statements as one column you scroll. Profile holds your profile, language, security and the delete-my-account option, which sits quietly at the bottom instead of glaring at you in alarm red from a tab of its own. Old bookmarks still work and land scrolled to the right card.

While I was in there I found something worse than ugly. If you signed up with Google, you could not delete your account. The delete button asked for a password, and a Google account never had one, so anyone who wanted out was stuck. You now type PERMANENT DELETE instead, and it goes.

Invite someone, you both get a month

Settings → Subscription opens with an invite panel now. The Share button copies a ready-to-send message with your link already in it. The dashed chip next to it copies the bare code, for people who prefer their own words. Your friend gets a free month, you get a free month, and free months attach to the end of your period, so they push your next payment further away rather than vanishing into a void.

Funds, and one search I'm glad someone complained about

Fund coverage went from 747 to 879. Japan arrived, including the two largest funds in the country, and Japanese bonds now price themselves from the official reference file that Japanese brokers actually use instead of sitting at whatever you typed in once. Poland gained five more fund houses. You'll find all of it under Net Worth → Pensions & Funds.

Then someone tried to add "iShares Core EURO STOXX 50 UCITS ETF EUR (Acc)" and got nothing. The official name was too long for the search box and too decorated for the matcher underneath. Search now strips the share-class noise and tries again, which it should have done from the start.

Never seen any of this? The demo runs on a made-up household's data, no signup, and the pie chart will judge their food delivery habit exactly as harshly as it judges mine.

What's next, and what I owe you

Last week I wrote that connecting your bank directly was next and the thing I most wanted finished. It isn't done. Payments jumped the queue, because a product with no income has a deadline whether it admits it or not.

It's still the oldest item on my board and still the next one up. Behind it: the module for actually living off the money, splitting pension sub-accounts so each one shows its own numbers, and letting an AI assistant read your MFFT data when you ask it to.

Over a thousand people track their money in here now, and this week a few of them started paying for it. I read every one of those emails twice. I'm not going to pretend that feels normal yet.