One app for budgeting, net worth tracking, FIRE planning, portfolio analysis, and property tracking. Here's how we compare.
See how we stack up against popular finance apps
| Feature | My Financial Freedom Tracker | Spendee | Wallet | Projection Lab | YNAB | Empower | Monarch Money |
|---|---|---|---|---|---|---|---|
| Budget Tracking | Full support | Full support | Full support | Not available | Full support | Limited support | Full support |
| Bank Statement Import | Full support | Full support | Full support | Not available | Full support | Full support | Full support |
| Net Worth Tracking | Full support | Not available | Limited support | Full support | Limited support | Full support | Full support |
| Investment Tracking | Full support | Not available | Full support | Full support | Limited support | Full support | Full support |
| Crypto Portfolio Tracking | Full support | Not available | Limited support | Not available | Not available | Full support | Limited support |
| Property Tracking | Full support | Not available | Not available | Full support | Limited support | Full support | Full support |
| FIRE Planning | Full support | Not available | Not available | Full support | Not available | Limited support | Not available |
| Czech Bank Support | Full support | Full support | Limited support | Not available | Not available | Not available | Not available |
| Price | €49.90/yr | Free / from $14.99/yr | Paid | Free / $129/yr | $109/yr | Free | $99.99/yr |
Competitor prices checked 2026-08-25 at each vendor's own pricing page. Monarch Money is $99.99/yr on its Core tier; ProjectionLab has a free Basic tier and charges $129/yr for Premium.
Unlike YNAB at $109 a year, Projection Lab's $129-a-year Premium tier, or Spendee's paid tiers from $14.99 a year, My Financial Freedom Tracker is one plan: €4.99 a month, €49.90 a year, or €299 once for lifetime access. There is no higher tier to upgrade to, so budget tracking, bank statement imports, Monte Carlo simulations and property analysis are included at every price. I built this as a solo developer on my own FIRE journey, and 1,000+ people are now using it. That kind of growth needs real resources: servers and infrastructure, plus the time to keep building. The people who were here before paid plans launched got a founding year on us; the price above is what it costs now.
Most budgeting apps only handle one piece of the financial puzzle. Spendee and YNAB focus on spending and budgets but lack investment tracking. Projection Lab covers FIRE planning and projections but cannot import your bank statements or track daily expenses. Empower tracks investments but charges for premium advisory services. With My Financial Freedom Tracker, you get budgeting, net worth tracking, FIRE planning with five distinct variants, investment portfolio analysis with ETF look-through, and property tracking with mortgage amortization — all in a single unified dashboard. No more juggling Spendee for daily expenses, Projection Lab for retirement projections, and spreadsheets for investment tracking — everything lives in one place, updated in real time.
Most personal finance apps are designed for the US market and struggle with European banking formats and conventions. My Financial Freedom Tracker reads statements from both of its home markets: German banks (Sparkasse, Volksbank, Commerzbank, Deutsche Bank, Postbank, DKB, N26, ING) and Czech ones (Fio Banka, ČSOB, Komerční banka, Česká spořitelna, Raiffeisenbank, MONETA Money Bank), so you import transactions straight from a PDF or CSV without manual data entry. The importer is format-aware rather than bank-specific: it handles the German 1.234,56 and Czech 1 234,56 number conventions, DD.MM.YYYY dates, and the local vocabulary a statement actually prints — Lastschrift, Kartenzahlung and Dauerauftrag as readily as platba kartou or trvalý příkaz — and it recognises local merchants and statutory charges (Rewe, Deutsche Bahn, Stadtwerke, Rundfunkbeitrag; Rohlík, ČEZ, koncesionářské poplatky). EUR and CZK are formatted with local conventions, and the whole interface is available in German, Czech and English. What it never does is ask for your bank login: there is no Plaid, no aggregator and no stored credentials, in any country.
Go beyond basic retirement calculators that only give you a single number and a target date. My Financial Freedom Tracker supports five distinct FIRE variants — Lean FIRE for minimalists who want to retire on less, Regular FIRE for comfortable financial independence, Fat FIRE for a luxurious post-work lifestyle, Coast FIRE for those who have saved enough and can let compounding do the rest, and Barista FIRE for semi-retirement with part-time income covering daily expenses. Each variant includes Monte Carlo simulations that run thousands of scenarios against historical market data, giving you realistic probability estimates rather than overly optimistic straight-line projections. Your FIRE calculations integrate directly with your actual investment portfolio data for accurate, personalized results.
Your financial data is among the most sensitive information you have, and we treat it that way. All data is stored on EU-based servers, ensuring full compliance with European data protection standards and GDPR regulations. We never sell, share, or monetize your personal financial data — our goal is to help you achieve financial freedom, not to profit from your information. We are fully transparent about our technology stack and security practices, using industry-standard encryption for data in transit and at rest. You stay in control of your data: delete your account and everything in it anytime, and request a copy of your data by email.
Budget tracking, investment monitoring, FIRE planning, property tracking, and portfolio analysis — no need to switch between apps or pay for multiple subscriptions.
I built this as a one-person project, and it's grown to 1,000+ users. One plan covers everything at €4.99 a month, funded by the people who use it — no ads, no data deals, and no higher tier to upgrade to.
Works in any country with multi-currency support and a German, Czech and English interface. Includes European-specific features most apps miss — statement import that reads German formats (Sparkasse, Volksbank, Commerzbank, Deutsche Bank, Postbank, DKB, N26, ING) and Czech ones (Fio, ČSOB, KB, Česká spořitelna, Raiffeisenbank, MONETA), plus EUR/CZK formatting and UCITS fund coverage.
Track complex portfolios with multiple brokerage accounts, ETF look-through analysis, and Monte Carlo simulations. Add properties with mortgage amortization, SVJ fees, and rental yields. See how stocks, real estate, savings, and liabilities connect into one total net worth view.
Calculate your path to financial independence with Coast FIRE, Barista FIRE, and custom withdrawal strategies.
Try the FIRE CalculatorFind the amount you need today so compound interest carries you to FIRE — no more contributions needed.
Find your Coast FIRE numberFind the portfolio size that lets you downshift to part-time work, with healthcare bridge costs built in.
Try Free Barista FIRE CalculatorSee exactly how compounding grows your money. Side-by-side scenarios, expense-ratio drag, and real (inflation-adjusted) returns built in.
Open the calculatorCheck ETF overlap across your whole portfolio, see look-through holdings and sector exposure, and stress test against historical crises.
Check your ETF overlapFind your net worth percentile vs your age group and country.
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