Freenance

Freenance does the arithmetic you would do yourself, if you had the evening. You enter what matters; it works out the rest: net worth, cash flow, a budget, a portfolio plan, and the date your capital starts working instead of you. EVERYTHING YOU OWN, IN ONE PLACE Stocks, ETFs, government bonds, crypto, savings accounts, property and valuables. One list, one total, gains and losses measured from what you paid. A PORTFOLIO PLAN THAT HOLDS ITSELF TO ACCOUNT Set target percentages per category, assign assets to them, and see how far off the plan you really are. Every category shows its drift, and rebalancing works out what to buy and what to sell. A BUDGET THAT TELLS THE TRUTH Assigned against spent, category by category, updated with every transaction. You see what is actually left to allocate — not what ought to be. WHERE THE MONEY GOES A flow map traces every unit from where it came in, through the categories, to what is left. The savings rate is computed from what happened, not from what you intended. THE DATE YOU BECOME FINANCIALLY FREE A FIRE projection, shown with the numbers it rests on: your FIRE number, liquid capital, monthly savings and income from assets. Four scenarios, so you can see what haste buys you and what patience does. YOUR OWN RULES Set the thresholds: how much a category may take, how far a portfolio may drift, what minimum it must hold. The app names the rule that broke and by how much. REPORTS Net worth over time, category trends, income and spending by category, repeating payments, a dividend calendar, benchmark comparison. A BANK CONNECTION IS OPTIONAL Everything works when you type the numbers in or import a file, and you can stay that way for good. If you would rather transactions arrived on their own, connect a bank in the web app. THE SAME ACCOUNT ON THE WEB Your account also runs in a browser. Start on the phone, finish on the laptop. TERMS AND PRIVACY Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Service: https://freenance.io/terms/ Privacy Policy: https://freenance.io/privacy/