For Norwegian households
Know the day
you're free.
Freetime brings every account in the household together, from every bank and every person, into one budget. It sorts every krone and works out the date your income covers your life: the debt paid, a buffer in place. Then every day it tells you what you can spend to get there.
No financial advice. Just your own data, organised for you.
Read-only through BankID · Hosted in Europe, in France · No AI guessing your numbers
Why it works
With knowledge and insight, you make better choices
Everything in one place
Every account, loan, bill, rent and receipt, sorted by itself. What you have, what you owe, and where the money really goes.
What each choice does
A purchase, a higher installment, a project on the side: each shown as days closer to or further from the day you're free.
You choose, knowing
Freetime never tells you what to do. It shows where your own numbers lead, so the choice is yours and an informed one.
What you get
What a clear picture can do for you
All accounts → 1 budget
The whole household in one budget
Your accounts and your partner's, at every bank, read into one budget. Moves between your own accounts are recognised, so nothing counts twice, and everyone has their own login.
≈ 800,000 kr
Be free sooner, and save hundreds of thousands in interest
On a 30-year mortgage of 3 million kr at 5.5 %, 2,000 kr more a month pays it off 6½ years sooner and saves about 800,000 kr in interest, before tax. Freetime shows how much more your own months can carry.
Free time or capital
Reach your own goal
Work less, stop sooner, or build wealth: your date shows how far you are from the goal you set, and how fast you're closing in.
11 days
Know the price of a choice before you make it
A new sofa, a car, selling a flat: each priced in days, before you decide.
+ rent
Rentals that pay their way
What each house earns after tax, when the rent may follow the price index, and projects that let an empty house or add to its value.
0 leaks
No money slips away unseen
Every subscription and regular charge found from the bank, with the year's total, and the ones that stopped.
The figures are examples. Yours are worked out from your own bank and plan.
Inside Freetime
What it looks like
Screenshots of an invented household.
How it works
Three steps, then it runs itself
- 1
Connect your banks
Every account in the household, at every bank, each person with their own BankID. Read-only, and every payment comes in by itself: no typing, no spreadsheet.
- 2
It sorts itself
Salary, loans, rent, bills and moves between your accounts are recognised. The rest waits in one inbox, and each shop you place is remembered.
- 3
See your date, every day
The day you're free, what's left to spend today, and what each choice does to the date.
A day with it
A minute a day, and you always know where you stand
How much today?
303 kr a day to payday: the bills still to come are already taken off, so the number is real.
Snap the receipt
The camera is one tap away. Every line is read and filed by category, for you to glance over.
Should I buy it?
A new sofa costs your date 11 days. See it before you buy, not after.
This week's shopping list
What you usually buy that's on offer near you, sorted by what you save against what you normally pay.
A nudge on your phone
A budget went over, your date moved, the rent may go up, a price you watch dropped. Only when there's something to know.
Numbers you can trust
No AI guesses your money
Every figure is plain arithmetic, the same every time. An assistant only finds facts: what a shop is, the best price for a product, this week's offers. It sees a shop's name, never your amounts, and it never changes anything without you.
- Read-only bank access: nothing can move money
- Download all your data, or delete it, whenever you like
- It suggests; you decide
- In Norwegian and English
Pricing
One price for the whole household
Free plan
0 kr
To try it, with no bank
- Receipts read and filed
- This week's offers near you
- The shopping list
With your bank
kr a month
99 kr with 2 accounts, and 20 kr for each one more. Never more than 199 kr.
- Every account in one budget, at every bank
- Your date, the plan and nudges
- A login for each person
- Everything in the free plan
Planned prices, with VAT. Per household, however many are in it; end it whenever you like.
Questions
Before you start
Which banks does it work with?
Most Norwegian banks, through Enable Banking and BankID, and as many as the household uses. You approve each connection in your own bank, and can end it at any time.
Can anyone move money from my account?
No. The connection only reads balances and payments; nothing can be paid from the app.
Do I need to own a home or have loans?
No. Renting, debt-free, retired or freelance: the date is worked out from your own situation.
Can we use it together?
Yes. Each person logs in with their own email and connects their own banks, into the same budget. The log shows who added what.
Where is my data kept?
On servers in France, in the EU, encrypted with your household's own key, and backed up every night. You can download all of it, or delete it, whenever you like: deleted, it can't be read again.
What does it cost?
Receipts, offers and the shopping list are free. Connecting the bank, with the budget, the plan and your date, is 99 kr a month with 2 accounts and 20 kr for each one more, never more than 199 kr: one subscription for the whole household, however many are in it.
How do I get in?
By invitation for now. Leave your email below, and we'll send you a link when there's room for your household.
Is this financial advice?
No. It's a calculator for your own plan: it shows where your numbers lead, and you decide what to do.
Get early access
We're opening Freetime to more households. Leave your email, and we'll write when there's room for yours.