Freenance: budżet i majątek

Freenance.io

About this app

Freenance calculates your money just as you would if you had the time.

You enter what's important—we do the rest: net worth, cash flow, budget, portfolio plan, and the date your capital will start working for you.

ALL YOUR WEALTH IN ONE PLACE
Stocks, ETFs, treasury bonds, cryptocurrencies, savings accounts, real estate, and valuables. One list, one total, with profit and loss calculated from the purchase price.

A PORTFOLIO PLAN THAT KEEPS YOU ON TRACK
Set percentage goals for categories, assign assets to them, and see how far you're actually from your plan. The app will show the deviation for each category, and during rebalancing, it will calculate what to buy and what to sell.

A BUDGET THAT TELLS THE TRUTH
Allocated versus spent, category by category, updated with every transaction. You see how much is left to allocate—not how much "should" be.

WHERE THE MONEY FLOWS
The flow map shows every zloty from source to category to savings. The savings rate is calculated based on facts, not declarations.

YOUR FINANCIAL FREEDOM DATE
FIRE projection with the numbers behind it: your FIRE number, liquid capital, monthly savings, and asset income. Four scenarios so you know what changes in rush and what in peace.

CUSTOM RULES
Set thresholds: how much you can spend in a category, how much your portfolio can deviate from the plan, what minimum you should maintain. The app will tell you which rule is broken and by how much.

REPORTS
Net worth over time, category trends, income and expenses by category, recurring payments, dividend calendar, benchmark comparison.

ONLY CONNECT YOUR BANK IF YOU WANT IT
Everything works whether you enter your data manually or import it from a file, and you can keep it that way forever. And if you prefer transactions to flow automatically, you can connect your bank in the web app.

THE SAME APP ON THE WEB
Your account also works in a browser at app.freenance.io. You start on your phone and finish on your laptop.

What’s new

Push notifications on Android: market alerts, breached limits, imports and goals now reach your phone. A dashboard of your own widgets, choose your tabs, goals, a watchlist and the Discover feed, new notification settings, and many fixes.