MTF is a premium command center for your finances — budgeting, goals, investing, currency tools, an AI coach and a financial academy, in one calm, beautiful place. Built for ambitious professionals, freelancers and expats who want clarity and control.
“You could reach your emergency fund 3 months earlier by moving €120 from dining out to savings.”
Every screen answers one question in a glance — and makes financial progress feel rewarding instead of stressful.
Start with 50/30/20, then bend the rule to your life. Needs, Wants and Savings update live as your income and spending change.
Emergency fund, ETF portfolio, a house deposit — each goal shows the monthly contribution to hit it on time, with a celebration when you do.
Calm, specific guidance: what changed this month, where you can save, what to do next — in plain language.
Track ETFs, stocks, crypto, cash and bonds. See allocation vs target and get rebalancing nudges.
Convert across major currencies, see weekend-markup warnings and track every exchange — built for expats and travelers.
Streaks, badges and a monthly journal turn good months into a system you actually keep.
MTF runs entirely in your browser. No accounts to leak, no bank logins to hand over — everything lives in local storage on your device, and you can export it any time. It’s the privacy of a notebook with the intelligence of software.
*Illustrative. MTF is a budgeting and education tool, not financial advice.
The essentials to take control.
For ambitious money managers.
Planning, strategy & multi-account.
No. MTF is a budgeting, tracking and education tool. It helps you see and shape your own decisions — it doesn’t recommend specific securities or guarantee returns.
On your device, in your browser’s local storage. Nothing is uploaded. You can export everything to CSV or a PDF report at any time, and clearing it is one click.
Never. You log expenses in seconds (or import a CSV). That keeps MTF private, fast and bank-agnostic — perfect for multiple accounts and currencies.
Yes — drag the percentages to anything, or pick a preset like Conservative saver, Aggressive investor, Student, Freelancer or Expat. The whole dashboard recalculates live.
Beyond conversion, MTF flags weekend FX markups and tracks your exchange history — the kind of detail that quietly costs expats and travelers real money.
Sixty seconds of setup and you’ll see your money the way a strategist would. No card required.