Free 7-Day Trial — No Credit Card Required

Don't just track your dividends.
Plan your freedom.

The offline desktop app for income investors — with three planning tools that work together: the Playground, the Builder, and the Budget. Model any portfolio, project any contribution plan, and budget it all — across endless scenarios you can fine-tune to the dollar.

Start Free Trial — 7 Days See Playground ↓

Get it on the Microsoft Store  ·  Prefer a direct installer? Get the .exe  ·  Also available for macOS (.dmg)

7 days free, then $49 once — yours forever  ·  Windows & Mac  ·  We hate subscriptions too

Windows 10 & 11 macOS 12+ 100% Local & Private
MyFreedomTracker — portfolio snapshot with real dividend income and Freedom Score
One Connected Suite

Three Freedom Features.
Endless scenarios.

Freedom Tracker isn't one calculator — it's three planning tools built to work together. Model a portfolio, project a contribution plan, and budget the income, then send a result from one tool straight into the next. Save as many scenarios as you want and fine-tune every detail until the numbers are exactly right.

⭐

Playground

Drop in any allocation — 30% SCHD, 25% JEPI — and instantly see the yearly, monthly, and weekly income it would pay at live distribution rates. The fastest way to answer “what would this actually pay me?”

Explore the Playground →
▶ Try the free web Playground — no download →
📈

Builder

Set a recurring contribution and a time horizon, and watch reinvested distributions compound into a projected future income. See exactly when you reach your number — and what it takes to get there sooner.

Explore the Builder →
💰

Budget

Plan your income against your bills — and fold in your Playground or Builder projections to see your real net month to month. Your whole picture, today and tomorrow, in one view.

Explore the Budget →

Endless scenarios, zero limits. Save and name as many what-ifs as you like — a conservative plan, an aggressive one, a “what if I add $500 a month” one — and compare them side by side. Everything recalculates live, and it all runs 100% offline on your machine.

Core Feature

The Playground

Most investors guess at what their portfolio might produce. The Playground lets you know.

Type in any allocation — 30% SCHD, 25% JEPI, 20% JEPQ — and instantly see the projected yearly, monthly, and weekly income that allocation produces based on live distribution rates. Watch your Freedom Score update in real time as you get closer to your goal.

It answers the question every income investor is really asking: "How do I build the portfolio that sets me free?"

⚡

Instant What-If Modeling

Adjust any allocation percentage and watch your projected income recalculate instantly — no waiting, no spreadsheets, no guessing.

🎯

Freedom Score Progress

See exactly what percentage of your monthly freedom goal each allocation delivers. Know whether you need 5% more SCHD or 10% more JEPI to cross the finish line.

📊

Live Distribution Rates

Projections are based on actual current ETF and stock distribution rates — not historical averages or rough estimates. Real numbers, real income.

🔒

Completely Offline

The Playground runs entirely on your machine. No account needed, no data leaves your computer. Your strategy stays yours.

Playground — live hypothetical allocation table with projected income and Freedom Score ● Live Preview

Try the Playground free for 7 days.

No credit card. No account. Just download and open it. Start Free Trial →
Project Years Ahead

The Builder

The Playground shows what a portfolio pays today. The Builder shows where you end up if you keep investing.

Set a recurring contribution — $500 a month, $250 a week, any amount on any schedule — pick your funds and a time horizon, and watch reinvested distributions compound into a projected future income.

It answers the next question every income builder is really asking: "If I keep this up, when do I actually reach my number?"

🔁

Any Contribution, Any Cadence

Weekly, biweekly, monthly, quarterly, yearly, or a custom schedule. Model exactly how you actually invest — not a one-size spreadsheet.

🌱

Reinvested & Compounding

Distributions reinvest and compound month by month, right alongside your new contributions, so you see the full snowball — and a live growth curve.

🛟

Honest by Default

Projections start from a conservative, haircut distribution rate — not a too-good-to-be-true headline yield. Every assumption is shown on screen.

🔗

One Connected Suite

Send a projection straight into the Playground or your Budget, so today's portfolio and tomorrow's plan live together.

Builder — contribution projection with future income ● Live Preview

Projections are estimates based on current and historical distribution data and assume a flat share price with distributions reinvested — they are not a guarantee of future results.

Model your path to freedom — free for 7 days.

No credit card. No account. 100% offline. Start Free Trial →
Plan The Whole Picture

The Budget

Income is only half the story. The Budget weighs what comes in against what goes out — and lets you fold your projections right in.

List your incomes and bills, then choose what counts: your real portfolio income, your Playground projection, your Builder projection — or all three at once. Watch your monthly net update live, and see whether tomorrow's plan actually covers tomorrow's life.

It answers the question that ties everything together: "When my plan plays out, am I actually free?"

🔗

Fold In Your Projections

Include your Playground or Builder projection as income with one click — so your budget reflects not just today's portfolio, but where it's headed.

⚖️

Live Net, Every Scenario

Total income, total expenses, and what's left over — recalculated the instant you change anything. Try “what if rent goes up” or “what if my income doubles” in seconds.

🖨️

Print Any Plan

Every Freedom Feature — Budget, Playground, and Builder — prints a clean, shareable report. Take your numbers off the screen and onto paper.

🔒

Yours Alone

Your income, your bills, your plans — stored only on your machine. No cloud, no account, no one else's eyes on your finances.

Budget — incomes, bills, and live net with projections folded in ● Live Preview

See your whole financial picture — free for 7 days.

No credit card. No account. 100% offline. Start Free Trial →
Everything You Need

A planning suite for income investors

Most apps just track what you already have. Freedom Tracker is built to plan what you'll have — and show you exactly when you're free. The tracking is just the foundation.

💰

Real Portfolio Snapshot

See your actual current monthly, weekly, and yearly income from every holding — updated live with current prices and distribution rates.

🔄

Automated DRIP Tracking

Track dividend reinvestment across your entire portfolio with precision. Every reinvested dividend is recorded and compounded correctly.

🏆

Freedom Score

Set a monthly income goal. See your Freedom Score — the percentage of that goal your current portfolio already delivers.

📈

Builder NEW

Project future income from recurring contributions. Reinvested distributions compound over your horizon — see when you reach your number.

📋

FIFO & Realized Gains

Accurate cost basis and capital gains tracking using the proper FIFO method. Know your true profit on every position.

📅

Monthly Budget Planner

Plan and forecast your dividend income month by month. See exactly which months pay more and plan accordingly.

📤

Beautiful Exports

Generate clean, shareable reports of your current snapshot and hypothetical Playground scenarios.

🛡️

100% Local & Private

All data lives on your computer in a simple file you own. No cloud. No syncing. No subscription creep. Your portfolio is yours.

📥

CSV & Broker Import

Import your existing portfolio from E*TRADE, Webull, Fidelity, and more — then choose to merge it in or replace what's there, so nothing's overwritten by accident. Set up in minutes, not hours.

🔔

Upcoming Dividends Ticker

A quiet ticker scrolls your holdings' real upcoming dividend amounts and pay dates across the top — so you always know what's landing and when. Real distribution data, not guesses.

🛟

Automatic Backups & Restore

Freedom Tracker keeps rolling backups of your portfolio and restores any of them in one click — right inside the app. Your safety net, and it never leaves your machine.

🔖

Save Unlimited Scenarios

Name and save as many Playground allocations, Builder plans, and Budgets as you like — a conservative plan, an aggressive one — and switch between them in a click.

Simple Pricing

Try free. Pay once. Own it forever.

No subscriptions, no renewals, no tiers — we hate subscriptions too. One payment, and it's yours for good.

Free Trial
7-Day Trial
$0
Free for 7 days — no card needed
  • ✓ Full access to every feature
  • ✓ Playground unlimited
  • ✓ Real portfolio tracking
  • ✓ Windows & Mac
  • ✓ No credit card required
Start Free Trial

License delivered instantly after trial

Lifetime · Founder Price
Pay Once
$49
one-time — yours forever · we hate subscriptions too
  • ✓ Pay once, own it forever — no renewals, ever
  • ✓ All three Freedom Features + every update to this version
  • ✓ Automated DRIP & Freedom Score
  • ✓ Windows & Mac desktop app
  • ✓ 100% local — your data stays on your machine
  • ✓ Priority support
Buy Lifetime — $49

One-time payment · License key delivered instantly · Founder price — going up later

FAQ

Common questions

What does the free trial include?
The 7-day trial gives you full access to every feature — including the Playground, the new Builder, real portfolio tracking, DRIP, Freedom Score, and exports. No credit card required to start.
What is the Builder?
The Builder projects your future dividend income from recurring contributions. Set an amount and schedule, pick your funds and a time horizon, and it compounds reinvested distributions month by month to estimate the income your portfolio could produce. Projections use a conservative rate by default and are estimates, not guarantees.
What happens when my trial ends?
After 7 days, the app will prompt you to enter a license key. Your data is always safe — nothing is deleted. You can activate a license at any time to pick up right where you left off.
Is it really one-time? What about subscriptions?
Really one-time. $49, paid once, yours forever — no subscription, no renewals, no auto-billing. We hate subscriptions too. Your purchase includes Freedom Tracker and every update to this version, free. (A future major version may be an optional paid upgrade — and your version always keeps working.)
Is my financial data stored in the cloud?
Never. All portfolio data is stored locally on your computer in a simple file you own. Nothing leaves your machine. No servers, no syncing, no accounts.
Does it work on Mac?
Yes. Freedom Tracker runs on Windows 10 & 11 and macOS 12 (Monterey) and later. The Mac build is signed and notarized by Apple — download the Mac DMG here.
What brokers can I import from?
You can import holdings via CSV from E*TRADE, Webull, Fidelity, Schwab, and most other major brokers. Manual entry is also supported for any holding.
Is there a refund policy?
Because we offer a full-featured 7-day free trial, we don't offer refunds on paid licenses. Use the trial to make sure it's right for you before purchasing.

Start modeling your financial freedom today.

7-day free trial. No credit card. Windows & Mac.

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One-time $49 · Yours forever · We hate subscriptions too