Questions and answers

Three things, because they answer three different questions.

Your income covers your costs: in a month, what comes in is at least what goes out, loan payments included.

Free, the date on Today: that, and the debts are paid, the buffer is full and the big costs you know are coming are saved for, for twelve months in a row.

Work is optional: the income that comes without working, such as rent, interest or a pension, covers the costs alone, with the salary taken away.

In the month a loan is paid off, the books can balance once by chance. A year in a row means it holds. Your date is the first month of that year.

Not by itself. The date on Today counts your salary: it is the day the debts are gone and the books balance, and a household can reach it and still need every krone it earns.

The line "work is optional" is the one that says whether you could stop. It leaves the salary out, and money you have lent out coming back too, since that is your own money returning and not an income that lasts.

The plan runs in whole months, from payday to the day before the next. Every date it gives is the first of a month, and "days until free" counts from today to that day.

No. Saving, paying extra on a loan and topping up the buffer are your own choices, so the test leaves them out. Being free shouldn't depend on putting more aside than you must.

Month by month, from today. Each month, what comes in less what you spend, the loan payments, the saving and the tax is the surplus.

The surplus fills the buffer first, then the fund for big costs, and what is left pays extra on the loans, the one with the highest rate first. While a loan at 10 % or more is left, the buffer is filled only to one month before the rest goes to that loan.

The first month that begins twelve months in a row that all pass the test is your date.

Money for a month without pay: a number of months of your planned spending and your loan payments, which you choose on Setup. A month that costs more than it brings in is paid from it, and later surpluses fill it again first.

A roof, a car, a bathroom: something you know is coming. Given roughly when and how much, the plan sets a little aside each month so the money is there when the day comes. For now a big cost is added by the assistant or through the API: Setup has no form for it yet. One whose month has passed is left out of the plan, and Today says so.

The plan is worked out twice, with the purchase and without it, and the difference is what it cost you in time. A cost that comes back every month usually moves the date more than a larger one-off.

One small purchase moves the date by less than a day, so each is shown as about so many hours or days, and the month's purchases together as one total.

Your budgets are the plan; the bank shows what happened. Spending inside a budget costs nothing extra. Going over counts at once, and spending less counts when the month is over.

Today also shows the date at the pace you really spend, from the complete months of your bank history.

Tax on rent, after the property's costs. The deduction for interest. Wealth tax, with a home you live in counted at 25 % and the allowance for each person. And an estimate of your pay after tax.

They follow the Norwegian rules for the year. They are estimates for planning, not a tax return.

Nobody knows the next years' interest rates, or whether a tenant moves out, or a roof costs more than planned. So the plan is not worked out once but several hundred times, each time with those things drawn at random around what you entered: rates, when rent comes, an empty flat, what the big costs end up at, a spell without pay.

The band shows where most of those runs ended. The middle date is the one half of them beat and half of them missed. The method is called Monte Carlo, after the casino: it rolls the dice many times and looks at how the results spread.

One date looks certain, and it isn't. The band shows how much of your date depends on things you don't decide. "What matters most" beside it ranks your assumptions by how far each moves the date, so you know which ones are worth checking.

No. The same draws are used each time, so the same plan gives the same band. It changes when your figures change. With more runs the edges are steadier; the page says how much of a shift is chance and not news.

No. Every figure comes from ordinary code that does the same sum the same way every time. A language model reads a receipt's lines and suggests where a payment belongs, and that is all: it never works out a figure, and every suggestion is yours to accept.

Every change is tried against more than a thousand automatic tests before it goes out, and some of them check rules that must always hold, such as a month's lines adding up to its total.

The calculations were gone through line by line in September 2026, and the scripts from that review are run again whenever the sums are changed.

And every line on the Month page opens to the figures behind it, so you can check a sum yourself.

The usual reasons: the plan counts from payday to payday and not by calendar month; it wants the buffer full and the big costs saved for before it calls you free; it counts tax, and prices rising on your costs; and it wants twelve months in a row.

A reasonable budget for a household like yours is SIFO's reference budget, from OsloMet. The price index for rents is Statistics Norway's. The policy rate is Norges Bank's. Nothing about you is sent to fetch them.

The app reads what your bank gives it. Banks allow four reads a day when you are not there yourself, and some banks pass payments on a day or two after their own app shows them. Today says when it last read the bank.

A language model copies what is printed: the date, the total and each line. Code does the rest. It checks number times price against each line, takes a discount off the lines it belongs to, and makes the parts add up to the total on the receipt.

You see every receipt before it is logged, and anything the app is unsure of is marked for you to check.

No: it is read and thrown away, and only what was read is kept. One exception: with a property on Setup, the photo of a receipt for its costs or repairs is kept as documentation for the tax return, and you can remove it.

From what your receipts show you buy often, and this week's offers near your town. A model says which offer is which product; every price and every saving is worked out by code, against what you really paid before.

In Bergen for now. More towns are coming.

Move it. The app remembers the shop, so the next payment there goes where you put this one. The rules it has learned are listed on the Bank page, and you can change or remove each.

Yes. Account has "Download all my data", one file with everything the app holds about your household, and "Delete this household", which removes it for good.

No. It is a calculator for your own plan. It shows where your numbers lead, and you decide what to do.

Most Norwegian banks, through Enable Banking and BankID. You approve each connection in your own bank and can end it at any time.

A few banks, Bulder among them, only let Freetime read while you are using it. Their payments arrive when you open the app.

No. The connection only reads balances and transactions. Nothing can be paid or moved from the app.

Fund and share accounts cannot be read through the bank connection. You can enter what they are worth, and what you put in each month, under savings on Setup.

A bank's approval lasts a limited time, usually 180 days. After that the bank asks you to approve it again with BankID. Nothing is lost in between.

Each household has its own database, encrypted with a key of its own. The backups are encrypted too. The connection to Freetime is always encrypted.

A password, and then a code. The code comes by email, or from an authenticator app if you set one up. Account lists every device that is logged in, and keeps a log of what has happened to your account.

The operator's admin page shows your login email, your plan and when you last used Freetime. It never shows what you bought, your accounts, your loans or your plan.

The keys are held by the service, which needs them to show you your pages. So this rests on how the service is run. Nobody opens a household's data, and every admin action is logged.

On servers in France, encrypted with a key that belongs to your household, and backed up every night. You can download all of it or delete it whenever you like. Deleted data can't be read again.

Receipts costs nothing, for up to 60 receipts a month. Pro, with the bank connected, is 79 kr a month or 790 kr a year, and its first month is free. One subscription covers the whole household, however many people and accounts it has.

Yes. One price covers the whole household, with no extra per person. Each person has their own login.

Up to 60 a month. A model reads each one, and that is what a free plan can carry.

No. Open freetime.no on your phone and add it to your home screen. On an iPhone, use the share button in Safari and choose "Add to Home Screen". On Android, open the browser's menu and choose "Add to Home screen" or "Install app".

Under Account you can delete the household and everything in it. Nothing is charged yet, so there is nothing to cancel.