The only free app that combines budgeting, net worth tracking, FIRE planning, portfolio analysis, and property tracking in one platform. Here's how we compare.
See how we stack up against popular finance apps
| Feature | Our App | Spendee | Wallet | Projection Lab | YNAB | Empower |
|---|---|---|---|---|---|---|
| Budget Tracking | ||||||
| Bank Statement Import | ||||||
| Net Worth Tracking | ||||||
| Investment Tracking | ||||||
| Crypto Portfolio Tracking | ||||||
| Property Tracking | ||||||
| FIRE Planning | ||||||
| Czech Bank Support | ||||||
| Price | Free | From $15/yr | Paid | $109/yr | $109/yr | Free (basic) |
Unlike YNAB and Projection Lab, which both charge $109 per year, or Spendee's premium tiers starting at $15 annually, My Financial Freedom Tracker is currently free with full access to every feature. 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 resources — servers, infrastructure, development time — so pricing arrives in August 2026. Everyone who signs up before then keeps full access for good. Every feature — from budget tracking and bank statement imports to Monte Carlo simulations and property analysis — is yours at no cost. No credit card required.
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 offers native Czech bank statement parsing for Fio Banka, ČSOB, Komerční banka, Česká spořitelna, Raiffeisenbank, and MONETA Money Bank, so you can import transactions directly from PDF statements without manual data entry. The app supports CZK and EUR currencies with proper formatting and localized number conventions, and the entire interface is available in both Czech and English. Whether you bank in Prague, Brno, or Ostrava, your financial data is parsed and categorized correctly without workarounds or tedious manual entry.
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. Keeping it fully free long-term isn't sustainable, so pricing arrives in August 2026 — but everyone who joins before then keeps free access for good.
Works in any country with multi-currency support and English/Czech localization. Includes European-specific features most apps miss — like native PDF parsing for Czech banks (Fio, ČSOB, KB, Česká spořitelna, Raiffeisenbank, MONETA) and CZK/EUR formatting.
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 calculatorAnalyze ETF holdings, sector exposure, run Monte Carlo simulations, and stress test your portfolio against historical crises.
Try Free Portfolio AnalyzerFind your net worth percentile vs your age group and country.
Find your percentileCompare two mortgages side-by-side and see how extra payments shave years off your loan.
Open the calculatorShould you pay off the mortgage early or invest the spare cash? Compare three strategies side-by-side in today's money.
Compare strategies freeShould you rent or buy? See the real, inflation-adjusted breakeven year, including the opportunity cost of investing your down payment.
Find your breakeven yearCompare inflation, interest rates, unemployment, GDP growth and house prices across the US, Canada, Czechia, Germany and the euro area in one chart.
Explore the data