Freenance vs MyFund — Which Polish Portfolio Tracker Is Better in 2026?

Quick Answer

Freenance and MyFund.pl are both Polish portfolio tracking tools, but they serve different needs. MyFund specializes in detailed stock portfolio analytics — dividend tracking, benchmark comparison, and an active investor community forum. Freenance is a broader personal finance platform that aggregates bank accounts, investments, crypto, and retirement accounts (IKE/IKZE/PPK) into one dashboard, calculating your Financial Freedom Runway (how long you could live without working).

Choose Freenance If...

• You have accounts across multiple platforms (banks + brokers + crypto + retirement)
• You're interested in FIRE / financial independence tracking
• You want automated bank transaction imports with AI categorization
• You track Polish Treasury Bonds (EDO, COI, TOS)
• You hold crypto on Binance or Bybit

Choose MyFund If...

• You focus exclusively on stock/ETF portfolio tracking
• You want detailed dividend analytics and benchmark comparisons
• You value an active investor community and forum discussions
• You want the lowest possible price for a portfolio tracker

Pricing Comparison

MyFund costs approximately 150 PLN/year. Freenance is 199.99 PLN/year (annual plan) or 19.99 PLN/month. MyFund is about 50 PLN cheaper annually, but Freenance includes bank imports, crypto tracking, retirement account management, and the Financial Freedom Runway calculator — features MyFund doesn't offer.

For investors who only need stock portfolio tracking, MyFund offers better value per zloty. For those who want a complete financial picture, Freenance's broader feature set justifies the price difference.

The Bottom Line

If you're asking "how is my stock portfolio performing?" — MyFund is excellent. If you're asking "how close am I to financial freedom?" — Freenance answers that question uniquely. Many Polish investors use both: MyFund for deep stock analytics and Freenance for the full financial overview.

FAQ

Can I import my MyFund data into Freenance?

There's no direct import between the two apps. However, since both track similar investments (XTB, GPW stocks), you can set up Freenance independently — it connects to XTB directly and allows manual entry for other positions.

Which app is better for tracking IKE retirement accounts?

Freenance has a dedicated IKE/IKZE module that tracks contribution limits (IKE: 23,472 PLN in 2026), calculates tax savings from Belka tax exemption, and shows your retirement progress alongside other accounts. MyFund treats IKE as a regular portfolio without retirement-specific features.

Does either app track Polish Treasury Bonds well?

Freenance has comprehensive Treasury Bond support — EDO (10-year inflation-linked), COI (4-year), TOS (3-year), and ROS (2-year) with real return calculations including inflation adjustment and early redemption penalties. MyFund has limited bond tracking capabilities.

Is MyFund.pl really created by one developer?

Yes, MyFund.pl is developed by a solo developer named Damian, which many users appreciate for its focused, community-driven development. Freenance is also a lean Polish startup, created by Rafał Bajda, focused on the financial freedom angle.

How do the prices of Freenance and MyFund compare?

MyFund is priced at roughly 150 PLN per year, while Freenance is 199.99 PLN per year on the annual plan (or 19.99 PLN per month) with a 14-day free trial. MyFund is about 50 PLN cheaper annually, but Freenance bundles bank imports, crypto tracking, retirement-account management, and the Financial Freedom Runway. Pricing can change, so it is worth checking the current terms before subscribing.

Does either app sync automatically with bank accounts?

Freenance offers automated bank transaction imports from providers such as mBank, ING, PKO, and Revolut, plus AI categorization, whereas MyFund focuses on investment portfolios and does not import bank accounts. For crypto, Freenance connects to Binance and Bybit via API, while MyFund does not track crypto. Both integrate with XTB for brokerage positions.

Which app fits which type of user?

Some users consider MyFund a strong fit when the goal is deep stock and ETF analytics, dividend tracking, and an active investor community. Freenance tends to suit people who want a single dashboard across banks, brokers, crypto, and retirement accounts (IKE/IKZE/PPK) with a financial-independence focus. Many Polish investors use both side by side for their respective strengths.

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📊 Check your Financial Freedom Runway. Freenance connects your bank accounts, investments, and retirement accounts — showing exactly how many months of financial freedom you have. Start free →

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