Freenance uses two methods to calculate your runway. The Passive Income method tracks how long your assets can cover expenses using diminishing returns — as you spend down savings, investment income decreases proportionally. The Safe Withdrawal Rate method (4% Rule) calculates how long your portfolio lasts at a sustainable withdrawal rate. Both update in real-time as your assets, earnings, and expenses change.

Freenance supports bank statement imports from mBank, ING, PKO BP, Revolut, Credit Agricole, Millennium, and Nest Bank. You can upload MT940 or CSV files depending on your bank. Transactions are automatically categorized by AI, and recurring payments are detected automatically.

You can track stocks, ETFs, cryptocurrencies (via Binance and Bybit integration), savings accounts (including Revolut), Polish Treasury Bonds (with automatic PDF statement import for EDO, COI, TOS, ROR, DOR, and ROD types), and custom assets. All assets are updated with live prices and performance tracking.

When you import bank statements, Freenance uses AI to automatically assign each transaction to a spending category based on the transaction description. The system also detects recurring payments like subscriptions and bills, so you can see exactly where your money goes each month without manual sorting.

Spreadsheets require manual data entry, formulas, and maintenance. Freenance imports bank statements automatically, categorizes expenses with AI, tracks live asset prices, calculates your Financial Freedom Runway, and provides real-time analytics — all without a single formula. What takes hours in a spreadsheet happens in minutes.

After your trial ends, you choose a plan that fits your needs. There is no automatic charge — you decide if and when to subscribe. Your data is preserved, so you can pick up right where you left off. No credit card is required to start the trial.

Yes — Freenance is the only platform that imports Polish Treasury Bond (Obligacje Skarbowe) PDF statements automatically. It supports all bond types: EDO, COI, TOS, ROR, DOR, and ROD, including old and new PDF formats. Just upload your statement PDF and Freenance extracts all periods, interest rates, and current values.

Yes. Freenance is a fully responsive web application that works on any device — phone, tablet, or desktop. There is no native app to install. Just open freenance.io in your browser and you have full access to your dashboard, bank imports, and all features.