My Financial Freedom Tracker

An All-in-One App Built by One Person for FIRE Planning

My Financial Freedom Tracker (MFFT) is a web-based personal finance platform built and maintained by a single developer. The app combines five functions into one interface: a budgeting tool, a net worth tracker, a FIRE planner with multiple retirement scenarios, a portfolio analyzer, and a mortgage/debt comparison suite. Unlike bloated platforms trying to serve everyone, it exists specifically for people building toward financial independence and early retirement, or anyone who wants one place to see their entire financial picture across multiple account types.

The app is written by someone who used it to reach financial independence themselves. The site features interviews and articles by the founder in the Czech business press, describing the path to FIRE before age 30. That perspective shapes the whole product: it was built by someone who lived the problem, not someone guessing what FIRE planners need.

Getting Money Into the App

The app syncs spending and account balances through manual bank statement upload. You upload a CSV or paste transaction data from your bank, and MFFT automatically categorizes expenses using AI that learns your habits over time. The site says "Every expense sorted, automatically" and promises the categorization happens as you upload. The app also tracks assets and liabilities directly: you can add banks, brokers, cryptocurrency wallets, and property values to a single dashboard.

There is no mention of direct bank API connection (like Plaid) on the captured page. This means no real-time syncing, but it also means the app does not need to store bank login credentials. All calculations happen in your browser. The site explicitly states "Runs entirely in your browser, making the process secure and private" when describing the earnings-history import for the FIRE calculator, and the architecture appears to be the same throughout.

The tradeoff is manual maintenance. You control what goes in, which means you control data accuracy but also own the refresh cadence. For users who update bank statements weekly or monthly, this works well. For people who want passive daily syncing, it is a different workflow than account-link-and-forget apps.

FIRE Planning and Budgeting Workflow

Once your accounts are loaded, the app shows net worth live and lets you track spending by category. The AI categorization learns from corrections you make, improving over time. Categories are pre-set but customizable. On the FIRE side, the app offers specific calculators: a FIRE Planner that shows your retirement number and the target year you could stop working, a Coast FIRE Calculator (the strategy of stopping new contributions and letting compound interest finish the job), and a Barista FIRE Calculator (modeling part-time work with healthcare costs factored in).

The site shows a screenshot of a "30-year plan" in the demo, suggesting the FIRE planner projects decades ahead, not just to a near-term date. There is also a "How Long Will My Money Last" calculator for withdrawal-rate modeling. The portfolio section breaks down ETF holdings by sector and geographic exposure, runs Monte Carlo stress tests, and includes a "Dividend Snowball" tool to model reinvested dividends over time.

Shared access is mentioned in testimonials from users who say "I wanted one place where our family could see its finances," and another reviewer describes tracking a joint account plus personal accounts with split attribution, suggesting couples can share one plan.

Pricing and Free Tools

MFFT publishes no subscription price on this page. The site says "Subscriptions pay for the servers and the development one plan, no ads, no data deals," but does not name a figure or currency. It also offers free financial calculators that require no login: a FIRE Planner, a Life Planner, Coast FIRE and Barista FIRE calculators, a Compound Interest calculator, portfolio analysis tools, a mortgage-vs-investment calculator, a rent-vs-buy calculator, debt-payoff comparisons, and several others. All are browser-based, no paywall. The pricing page is not in the captured pages, so whether a free tier exists for the full app, what a subscription costs, or what features are locked behind a paywall cannot be confirmed from this capture.

The statement "no data deals" is explicit: the site does not sell anonymized spending data or leads. It is funded by subscriptions alone. There is no advertising shown.

Who MFFT Suits and Who It Doesn't

MFFT fits people for whom FIRE or early retirement is a serious planning goal, not a casual thought. If you want to model dozens of "what if" scenarios (working two more years, earning an extra 100k, retiring at different ages) with visual feedback, the scenario modeling is built for that. It also suits people with complex financial lives: multiple accounts, investments in multiple countries, crypto holdings, rental property, or employee stock. The single-developer model means features arrive slowly but are usually considered deeply (one reviewer said a requested feature appeared "the next day").

The manual account-import approach is less suitable for people who want hands-off passive syncing or who change accounts frequently. There is no mention of multi-currency support in the main page, though the testimonials mention accounts in euros and other currencies. If you have accounts in 10+ institutions, manual upload might feel tedious. If real-time spending notifications matter to you, this is not the tool.

The app also requires engagement. A spreadsheet user becomes an app user here, which means learning a new interface and developing a weekly or monthly data-entry habit. The app rewards that habit with deep modeling and planning power, but you have to commit to the habit first.

The One-Person Built-It Factor

One developer building and supporting an app makes it different from a well-staffed fintech startup. Bug fixes and feature requests apparently go through a real person. One user in the testimonials asked for Polish retail bonds and pension-account support, and both arrived quickly, with the user noting "you can tell the site keeps improving." That intimacy exists because there is one author invested in the product's growth. The flip side is that there is no 24/7 support team and no guarantee that the app will be maintained forever.

The site publishes no specific SLA, no regulatory claims, and no insurance. MFFT is a planning tool, not a brokerage or bank. Read the full security and terms pages before syncing sensitive data, though the browser-based architecture means your account credentials never touch the servers.