Freenance vs Kontomierz — Polish Finance App Comparison 2026

Quick Answer

Kontomierz is Poland's most popular budgeting app with automatic PSD2 bank synchronization across 20+ Polish banks. Freenance is a comprehensive personal finance app with a unique Financial Freedom Runway indicator, investment tracking (bonds, crypto, ETFs), and FIRE planning tools. Choose Kontomierz for simple, automated expense tracking. Choose Freenance if you want to see your full financial picture — investments, runway, and path to financial independence.

What Is Kontomierz?

Kontomierz has been operating in the Polish market since 2009, making it one of the longest-running personal finance apps in Poland. Its standout feature is automatic bank synchronization via PSD2/Open Banking, connecting to over 20 Polish banks.

Key Kontomierz features:

• Automatic transaction import via PSD2 (mBank, ING, PKO BP, Santander, and more)
• Expense categorization with custom rules
• Monthly budgets and savings goals
• Spending reports and charts
• Free basic plan available
• 400,000+ registered users

What Is Freenance?

Freenance is a modern personal finance app that combines budget tracking with investment monitoring and financial independence planning — purpose-built for the Polish market.

Key Freenance features:

• Bank transaction import (MT940/CSV) — mBank, ING, PKO BP
• AI-powered transaction categorization
• Investment tracking: Polish Treasury bonds (COI, EDO, TOS), ETFs, stocks
• Integrations with Revolut, XTB, Binance, Bybit
• Financial Freedom Runway — months you could live without income
• IKE and IKZE retirement account tracking
• FIRE (Financial Independence, Retire Early) planning

Feature Comparison

Where Kontomierz Wins

1. Automatic Bank Synchronization

Kontomierz's biggest advantage is PSD2-based automatic transaction syncing with 20+ Polish banks. No file uploads, no manual steps — transactions appear automatically. For "set it and forget it" budgeting, this is hard to beat.

2. Free Basic Plan

Kontomierz offers a free tier covering basic expense tracking. This makes it an excellent entry point for people just starting to manage their finances.

3. Established Track Record

With 400,000+ users and 15+ years on the market, Kontomierz is a proven, stable platform with a large user community.

Where Freenance Wins

1. Investment & Bond Tracking

Freenance lets you track Polish Treasury bonds (COI, EDO, TOS), crypto (Binance, Bybit), ETFs, and stocks (XTB) in one dashboard. Kontomierz focuses primarily on expenses and doesn't support detailed investment portfolio tracking.

2. Financial Freedom Runway

Freenance's signature feature calculates how many months you could survive without income, based on your savings, investments, and average spending. No other Polish app offers this.

3. FIRE Planning

For those pursuing financial independence, Freenance provides dedicated FIRE tools — progress tracking, projections, and savings goals tailored to Lean FIRE or Fat FIRE strategies.

4. IKE & IKZE in One View

Freenance tracks IKE and IKZE retirement accounts, giving you a complete picture of your wealth including tax-advantaged accounts — critical for long-term planning in Poland.

5. AI Categorization

Freenance uses machine learning to categorize transactions, learning from your spending patterns over time. Kontomierz relies on rule-based categorization that requires more manual setup.

Who Should Choose Kontomierz?

• You want fully automatic bank syncing without manual file imports
• Simple expense tracking and budgets are all you need
• You prefer a free option to start
• You don't invest or don't need investment tracking
• You use less common Polish banks (broader PSD2 support)

Who Should Choose Freenance?

• You invest in Treasury bonds, ETFs, or crypto
• You want to know your Financial Freedom Runway
• You're planning for FIRE or financial independence
• You have IKE/IKZE accounts and want a complete wealth overview
• You want an app that combines budgeting with investment tracking
• You prefer AI-powered categorization that improves over time

Pricing in 2026

Kontomierz offers a free basic plan and a Premium plan at approximately 9.99 PLN/month (~€2.30) with additional analytics features.

Freenance offers a 30-day free trial, then plans starting from 19 PLN/month (~€4.40) with full access to investment tracking, Runway, and FIRE planning.

Can You Use Both?

Yes — some users combine Kontomierz for automatic daily expense tracking (via PSD2) with Freenance for investment monitoring and FIRE planning. It's a pragmatic approach, though it means using two apps.

FAQ

Does Kontomierz track Treasury bonds?

No. Kontomierz focuses on expense tracking and budgets. It doesn't support Polish Treasury bond tracking (COI, EDO, TOS), cryptocurrency, or detailed investment portfolio monitoring.

Does Freenance have automatic bank sync?

Freenance supports transaction import via MT940 and CSV files from major Polish banks (mBank, ING, PKO BP). It doesn't use PSD2 for automatic syncing, but file imports take just seconds.

Which app is better for FIRE planning?

Freenance is the only Polish app with dedicated FIRE features — Financial Freedom Runway, progress tracking, and projections. Kontomierz doesn't offer FIRE planning tools.

Can I migrate from Kontomierz to Freenance?

You can export your data from Kontomierz and import transactions into Freenance via CSV file. The process is straightforward and takes just a few minutes.

Are both apps available in English?

Freenance supports both Polish and English interfaces. Kontomierz is primarily Polish-language, though some features may be available in English.

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📊 Check your Financial Freedom Runway. Freenance connects your bank accounts, investments, and retirement accounts — showing exactly how many months of financial freedom you have. Start free →