Frequently Asked Questions

My Financial Freedom Tracker is an all-in-one personal finance app that combines budgeting, net worth tracking, FIRE planning, and ETF portfolio analysis in a single dashboard. It features AI-powered transaction categorization that learns your spending patterns, supports both English and Czech, and includes free tools like a FIRE calculator and Monte Carlo portfolio simulator. Built for anyone serious about reaching financial independence.

Yes, completely free — no trial, no credit card, no premium tier blocking core features. You get bank statement import, AI categorization, budget tracking, net worth monitoring, FIRE planning, and portfolio analysis at zero cost. We believe finance tools should be accessible to everyone, not locked behind a paywall.

The app fully supports English and Czech with complete localization across all features. AI categorization works in both languages, and the interface — including charts, dates, and currency formatting — adapts automatically. You can switch languages anytime from the landing page or settings.

Create a free account (takes 30 seconds), then upload a bank statement PDF to import transactions automatically, or add them manually. The app walks you through setting up your first budget and goals. You can also try the free FIRE calculator and portfolio analysis tool without creating an account.

Upload a PDF or Excel file from your bank. Our AI-powered parser extracts every transaction automatically — dates, amounts, merchant names, and descriptions. It handles multi-page statements and different formatting styles. Once imported, the AI categorization engine assigns categories based on patterns it has learned from your previous categorizations.

We have native PDF parsing support for Czech banks: Fio banka, ČSOB, Komerční banka, Česká spořitelna, Raiffeisenbank, and MONETA Money Bank. For international banks, our AI parser handles most PDF and Excel statement formats. If your bank format isn't working, contact us — we actively add new parsers based on user requests.

When you manually categorize a transaction (e.g., 'Albert' → Groceries), the AI stores that mapping. The next time it encounters the same merchant name or a similar description, it applies the same category automatically. The system learns per-user, so your categories are personalized to your spending habits. It works equally well in Czech and English.

Yes. You can add multiple account types — brokerage accounts (Interactive Brokers, Degiro, etc.), savings, property, crypto, and liabilities like mortgages. The dashboard shows your total net worth over time with interactive charts, growth projections, and breakdowns by account type. Our free portfolio analysis tool also offers ETF look-through analysis, sector exposure, and Monte Carlo simulations.

Yes. All data is encrypted in transit (TLS) and at rest (AES-256). Our database is hosted by Supabase in EU data centers, which means your information never leaves the European Union. We follow GDPR requirements strictly, including data minimization and right to erasure. No financial data is ever shared with third parties.

Never. We have an absolute no-data-selling policy. Your transactions, balances, and financial information are used exclusively to power the app's features for you. We don't run ads, we don't sell anonymized data, and we don't share information with data brokers or marketing companies.

Your data is stored in Supabase-managed PostgreSQL databases hosted in EU data centers. This ensures full GDPR compliance and means your financial data stays within European jurisdiction. All connections are encrypted and the database itself uses encryption at rest.

Yes, you can delete your account at any time from the settings page. Deletion is permanent and irreversible — all your personal information, transactions, budgets, goals, and investment data are removed from our systems. This is your right under GDPR, and we honor it immediately.

Yes. The app is fully responsive and works on any modern smartphone browser — iPhone, Android, tablet. All features are available on mobile including bank statement upload, budget tracking, and chart visualization. No app download is required.

Data export is on our near-term roadmap. We believe your data belongs to you, and we're building CSV/Excel export for transactions and financial history. In the meantime, you can always delete your account and data at any time per GDPR.

The app requires an internet connection because your data syncs with our secure servers and the AI categorization runs server-side. We're exploring offline caching for read-only access to budgets and charts in a future update.