Welcome to Freedom
Sign in to your private financial planner. On a new installation, create the first account.
Enter reliable income and all expenses to begin.
Financial outlook
Next 12 months
Forecast uses recurring monthly averages, not a guaranteed bank balance or exact bill-date simulation.
Add income or bill
Income
Bills
Import Monzo transactions
Export CSV from Monzo. This importer accepts Date, Name/Description, Amount and optional Category, Currency and Transaction ID columns. Only EUR transactions are imported. Reimporting identical records will not duplicate them.
Negative amounts are spending; positive amounts are incoming. Transfers and refunds may need manual review. Imported transactions inform category analysis but are not automatically added to recurring bills.
Spending by category · last 90 days
Recent transactions
Add debt
Debt balances
Debt freedom estimate
Avalanche strategy: minimums then extra to highest APR. Assumes fixed APR, monthly interest, no new borrowing and constant monthly payment budget.
Your settings
Savings projections
2.00% AER is a configurable assumption, not a live Monzo rate. Monthly equivalent compounding; contributions at month-end.