Most financial tools want to help you budget. FreedomTrack doesn’t. It’s built for a different question entirely: How close am I to financial independence, and how long until I get there?

If you’re pursuing FI, you already know the core math. Your FI Number is 25 times your annual expenses. Your yielding assets — the ones actually generating returns — are what fund your future. Your savings rate determines how fast you close the gap. FreedomTrack takes these concepts and turns them into a live, always-current dashboard so you never have to wonder where you stand.

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The Metrics That Matter

When you log into FreedomTrack, three numbers sit at the top of your dashboard:

FI Progress — What percentage of your FI Number your yielding assets currently cover. If your FI Number is $1,000,000 and your yielding assets (net of associated liabilities) total $350,000, your FI Progress is 35%.

Years to FI — A compound interest projection based on your current savings rate, asset growth rates, and expense trajectory. This isn’t a guess — it’s calculated from the actual data you’ve entered.

Savings Rate — The percentage of your income you’re keeping. This single metric drives everything else: a higher savings rate simultaneously lowers your FI Number (by reducing expenses) and accelerates your asset growth.

Below these, bar charts show your assets versus liabilities and income versus expenses — the inputs that drive everything above.

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What FreedomTrack Actually Does

Balance Sheet

Add your assets with yield rates and expected growth rates. Add your liabilities and associate them with specific assets (a mortgage linked to a rental property, for example). FreedomTrack automatically separates yielding assets — those with a yield rate greater than zero — from non-yielding ones like your primary residence.

This distinction is the foundation of accurate FI tracking. A paid-off home increases your net worth, but it doesn’t generate returns to cover your living expenses. Only yielding assets count toward your FI Number.

Cash Flow

Track your income sources and expenses. FreedomTrack normalizes everything to annual figures regardless of frequency — a daily coffee expense, a monthly subscription, and an annual insurance premium all feed into the same savings rate calculation.

Your expenses directly determine your FI Number (expenses x 25), so accuracy here matters more than in any budgeting app.

History

Monthly snapshots track how your FI metrics change over time. Watch your FI Progress percentage climb, your net worth trend, and your savings rate stabilize (or improve). The trend matters as much as the current number — seeing 18% to 22% to 27% to 31% is what keeps the FI journey sustainable.

What-If Scenarios (Plus)

Model financial decisions before you make them. What happens to your Years to FI if you increase your savings rate by 5%? What if you pay off a liability early? What if your assets grow at 6% instead of 8%? Adjust the inputs and see the FI timeline shift in real time.

FI Milestones (Plus)

Set intermediate targets for your yielding asset value, FI progress percentage, or net worth. Milestones break a multi-year journey into concrete checkpoints that keep you motivated along the way.

Account Linking (Plus & Premium)

Connect your bank and investment accounts via Plaid for automatic balance syncing and transaction import. Plus subscribers can link 1 institution, while Premium subscribers can link up to 5 — plus AI-powered monthly reviews and data entry assistance.

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Who FreedomTrack Is For

Starting Your FI Journey

You want to know your FI Number and see where you stand. Add your expenses, and FreedomTrack calculates your target immediately — $40,000 in annual expenses means a $1,000,000 FI Number. Add your assets with their yield rates, and your FI Progress percentage appears. The AI-powered onboarding gets your profile set up in minutes through a guided conversation rather than a wall of forms.

Actively Building Toward FI

You’re saving and investing consistently. Track your yielding asset growth month over month. Monitor whether your savings rate is holding steady or improving. Use History to see if your FI trajectory is accelerating. Model different decisions with What-If Scenarios before committing to them.

Approaching Financial Independence

You’re close and precision matters. Track yielding assets net of their associated liabilities for accurate FI Progress. Set FI Milestones for the final stretch — 90% FI Progress, then 95%, then 100%. Use Scenarios to model the exact impact of paying off a remaining liability or adjusting your withdrawal assumptions.

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Getting Started

1. Create your free account at freedomtrack.io
2. Complete the onboarding — a conversational AI assistant walks you through your financial situation and builds your profile, or skip straight to the dashboard and add everything manually
3. Add your financial data — set yield rates on investments, link liabilities to their assets, and organize by category
4. Track your FI progress — FI Progress, Years to FI, and Savings Rate update automatically as you refine your data

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Why FreedomTrack Instead of a Spreadsheet

You can absolutely track FI in a spreadsheet. Many people do. But spreadsheets go stale. They require manual updates. They don’t calculate Years to FI from compound interest projections. They don’t let you model scenarios with a few slider adjustments. And they certainly don’t update your FI Progress automatically when you add a new asset or adjust an expense.

FreedomTrack is built on the same 4% rule and 25x framework the FI community already uses. It just removes the friction between knowing the math and actually tracking it consistently over the years it takes to reach financial independence.

Ready to see where you stand? Get started with FreedomTrack for free and start tracking your path to financial independence.