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See where your money goes — and where it's taking you
Budget, net worth, investments, and your FIRE plan — finally on one screen. Stop guessing whether you're on track and start deciding.
Join 1,000+ people already tracking their path to financial freedom.
As featured in the national press & on the MoneyPenny podcast
Free today · No credit card needed
Good money coming in — so where does it all go?
Money comes in, and somehow by the end of the month it's just… gone — and you couldn't say where. MFFT reads your bank statements and sorts every transaction into three simple buckets — needs, wants, and wealth — so the leak shows up on its own.
- Bank statements sorted automatically — no spreadsheet, no manual tagging
- See what you actually keep, not just what you spent
- Watch the slice going toward wealth grow month over month
"Am I actually ahead?" Right now you can only guess.
Your money is scattered across a bank app, a broker, a pension, maybe a property — so "am I winning?" never gets a straight answer. MFFT pulls it all into one number, updated to the dollar, alongside the passive income you're earning while you sleep.
- Every account added up into one real net-worth number
- The passive income landing each month, at a glance
- How much of your spending is quietly turning into wealth
You own five funds. You might really own one big bet.
Fund names promise diversification; a downturn tells the truth. MFFT sees through every ETF to the real companies underneath and adds them up across all your funds — so you finally see the sector, and the single stock, you're really betting on.
- Look-through analysis down to the real companies inside your ETFs
- Hidden concentration surfaced — one sector, one stock, across funds
- Your true mix by sector, country and region
"When can I actually stop working?" You deserve a date.
"Someday" isn't a plan. MFFT projects your money across your whole life to the exact age work becomes optional — then lets you watch that date move as real life lands: a baby, a bigger house, a raise.
- The exact age work turns optional — not a vague "someday"
- Real life priced in: a baby, a house, a raise
- Your projected monthly income without a paycheck
Retire early or push on? Rent or buy? End the 3am debate.
Every big money question comes down to your numbers, not a stranger's rule of thumb. Run each decision — retire early, overpay the mortgage, rent or buy — on your real figures, already filled in and never saved.
- Retire early or keep going — see your real date
- Rent or buy — your true breakeven year
- Ahead of your peers? Your exact net-worth rank by age
Still deciding? Straight answers.
Your data stays yours
We never sell your data — no ad trackers, no data brokers, ever. AI reads your statements only to sort them into a tidy list, with personal details stripped out first, and you can view or delete everything anytime.
See how we handle your dataFree now, fair later
MFFT is free today and becomes a paid product in August 2026 — funded by the people who use it, so you're the customer, never the product. Sign up before then and you keep full access for good.
Start with one statement
No bank connection required. Upload a single statement — PDF, CSV or Excel — and your whole picture starts filling in within minutes.
Questions before you start
How long until I see my whole financial picture?
A few minutes. Create a free account, upload one bank statement, and MFFT imports and categorizes it automatically — your budget and net worth start taking shape right away. Add investments, property or pensions whenever you like.
Do I have to finish setup in one sitting?
No. Start with a single statement and build up over time — add accounts, property and goals whenever it suits you. Everything you enter is saved to your account.
What if I only care about budgeting, not investing?
That's completely fine — many people start with budgeting alone. The net-worth, portfolio and FIRE tools are there when you want them, and budgeting works fully on its own.
How is this different from a spreadsheet or YNAB?
A spreadsheet shows last month; a budgeting app usually stops at spending. MFFT connects budgeting, net worth, investments and your FIRE plan in one place, so a change in one instantly shows up everywhere.
Free Financial Tools
FIRE Calculator
Calculate your path to financial independence with Coast FIRE, Barista FIRE, and custom withdrawal strategies.
Try the FIRE CalculatorCoast FIRE Calculator
Find the amount you need today so compound interest carries you to FIRE — no more contributions needed.
Find your Coast FIRE numberBarista FIRE Calculator
Find the portfolio size that lets you downshift to part-time work, with healthcare bridge costs built in.
Try Free Barista FIRE CalculatorCompound Interest Calculator
See exactly how compounding grows your money. Side-by-side scenarios, expense-ratio drag, and real (inflation-adjusted) returns built in.
Open the calculatorPortfolio Analysis Tool
Analyze ETF holdings, sector exposure, run Monte Carlo simulations, and stress test your portfolio against historical crises.
Try Free Portfolio AnalyzerNet Worth Percentile
Find your net worth percentile vs your age group and country.
Find your percentileFree Mortgage Calculator
Compare two mortgages side-by-side and see how extra payments shave years off your loan.
Open the calculatorMortgage vs Investment Calculator
Should you pay off the mortgage early or invest the spare cash? Compare three strategies side-by-side in today's money.
Compare strategies freeRent vs Buy Calculator
Should you rent or buy? See the real, inflation-adjusted breakeven year, including the opportunity cost of investing your down payment.
Find your breakeven yearMacro Graphs
Compare inflation, interest rates, unemployment, GDP growth and house prices across the US, Canada, Czechia, Germany and the euro area in one chart.
Explore the dataStart here
Ready to see your whole picture?
Start free with one bank statement. In a few minutes you'll see where your money goes — and where it's taking you.
Free today · No credit card · Your data is never sold