See it
What it looks like
Screenshots of an invented household.
- Each household's data sits in its own encrypted database, with a key of its own.
- Login in two steps. You see every device that is logged in, and a log of what has happened to your account.
- Read-only bank access. Nothing can move money.
- Our admin page never shows your amounts. It shows your email, your plan and when you last logged in.
- Every update passes security checks before it goes live. Your data is stored in the EU. Download or delete everything whenever you like.
More than a budget
What a plan needs, built in
A range, not a guess.
Your date comes with an uncertainty band from hundreds of possible futures, and a list of what matters most for it.
Norwegian tax included.
Interest deduction, wealth tax and tax on rent are counted. The year's tax report can be printed with the receipts behind it.
Check every sum yourself.
Every line opens to the figures behind it. More than a thousand automated tests check the sums, and the arithmetic was reviewed line by line in September 2026.
Built on Norwegian data.
SIFO's reference budget, Statistics Norway's price index and Norges Bank's policy rate. Nothing about you is sent to fetch them.
What you get
What you get from a clear picture
All accounts → 1 budget
The whole household in one budget.
Your accounts and your partner's, across your banks, in one budget. Transfers between your own accounts are recognised, so nothing is counted twice. Everyone gets their own login.
2056 → 2050
Same mortgage. Free 6½ years sooner.
Pay 2,000 kr more a month on a 3 million kr mortgage at 5.5 %, and the last payment moves from 2056 to 2050. Even 100 kr a month makes you free about 5 months sooner. Freetime shows what every choice does to your date, including the small ones.
Free time or capital
Reach your own goal.
Work less, retire earlier or build wealth. Your date shows how far you are from the goal you set, and how fast you are getting there.
11 days
See what a choice costs before you make it.
A new sofa, a car or selling a flat, each priced in days before you decide.
60 / 40
Share the costs fairly.
Split the shared costs by income or half each. See what each of you has paid and who owes whom.
+ rent
Rentals that pay their way.
What each property earns after tax, when you may raise the rent with the price index, and what a renovation or a new tenant would do.
0 leaks
Nothing slips away unseen.
Every subscription and regular charge is found in your bank history, with what it costs a year and which ones have stopped.
The figures are examples. Yours come from your own bank and plan.
A day with it
A minute a day, and you always know where you stand
How much today?
303 kr a day until payday. The bills still to come are already deducted, so the number is one you can trust.
Snap the receipt.
The camera is one tap away. Every line is read and filed in the right category. You just check it.
Should I buy it?
A new sofa moves your date 11 days. See that before you buy, not after.
This week's shopping list.
What you usually buy and is on offer near you, sorted by how much you save on what you normally pay. The offers cover Bergen for now.
A nudge on your phone.
A budget is over, your date has moved, the rent may go up, a price you watch has dropped. Only when there's something to know.
Questions
Before you start
Which banks does it work with?
Most Norwegian banks, through Enable Banking and BankID. Connect 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 transactions. Nothing can be paid from the app.
Do I need to own a home or have loans?
No. Whether you rent, are 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. It all goes into the same budget, and the log shows who added what.
Where is my data kept?
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.
What does it cost?
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.
Do I need an app from an app store?
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".
How do I get in?
By invitation for now. Leave your email below and we'll send you a link when there is room for your household.
Is this financial advice?
No. Freetime is a calculator for your own plan. It shows where your numbers lead, and you decide what to do.
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