Your personal finance command center. Track debt, bills, and income โ all offline.
WELCOME TO MFD SOLUTIONS
YOUR MONEY. YOUR PLAN.
A personal finance app built around YOUR life. About 5 minutes to set up. You can skip any step except your name and password โ add everything else later.
STEP 1 โ INCOME
HOW DO YOU GET PAID?
Add your income sources. The app detects paydays automatically.
STEP 2 โ BILLS
WHAT ARE YOUR BILLS?
Add recurring bills โ rent, utilities, insurance. Subscriptions like Netflix come next. Tap a bill to edit.
STEP 3 โ SUBSCRIPTIONS
STREAMING, APPS & SUBS
Add subscriptions separately โ Netflix, Spotify, apps, memberships. Tap one to edit.
STEP 4 โ DEBTS
ANY DEBTS TO KILL?
Credit cards, loans, anything you owe. Skip if debt-free.
STEP 5 โ DEBT STRATEGY
PICK YOUR STRATEGY
How do you want to attack your debt? You can change this later.
STEP 6 โ FINAL SETUP
ALMOST THERE.
All optional. Leave blank to skip โ you can update anytime.
NOTIFICATIONS โ pick what you want
All notifications start OFF. Turn on what you want.
๐ฐ Payday alerts
๐ Debt celebrations
๐ Bill reminders
๐ฅ Daily motivation
๐ Transaction review reminder
Get prompted to review and log transactions
CATCH UP โ TODAY IS
WHAT'S ALREADY PAID THIS CYCLE?
Tap any bill already paid so the app starts where you actually are.
PAYCHECKS
Have you been paid yet this cycle? Enter amount or leave blank.
YOUR PLAN
Budget Plan
NET WORTH
$0
Assets minus debts
TRAJECTORY
1 year
ASSETS $0DEBTS $0
NEXT BILL
โ
โ
NEXT PAYCHECK
โ
โ
๐ฅ NEXT PAYCHECK PLAN
THIS WEEK
Coming In$0
Going Out$0
Net$0
Total Debt
$0
Total Paid
$0
๐ฅ TARGET
โ
Balance: $0
โ
๐ Projected Payoff
โ
โ
GOAL ALLOCATIONS
Unallocated$0
๐ฝ TODAY'S MEAL
โ
โ
COMING UP SOON
MONTHLY SNAPSHOT
Avg Monthly Income$0
Bills + Subscriptions$0
Grocery + Living$0
Available$0
โญ HEALTH SCORE
โ
โ
โญ SAVINGS RATE
โ
% of income kept
โญ BURN RATE
โ
โญ STREAKS
QUICK LOG
โพ
Debt Tracker
STRATEGY
โ
Bills & Subscriptions
Meal Plan
๐ THIS WEEK'S SHOPPING
Savings
Track what you're saving toward โ emergency fund, a purchase, vacation. Each goal shows how long until you hit your target based on what's left after bills and debts.
โก What Ifโฆ
PRO
Model your decisions. See payoff dates change in real time.
EXTRA DEBT PAYMENT
SALARY INCREASE
CUT SUBSCRIPTIONS
History
THIS MONTH
Debt Paid$0
Saved$0
Unexpected Costs$0
Net This Month$0
Add Income
For biweekly โ tells us which week is your pay week.
Add Bill
โ ๏ธ Have a car loan, personal loan, or credit card?
Track those under Debts instead โ you'll get payoff tracking, interest calculations, and a projected debt-free date. โ Go to Add Debt
Autopay
Auto-mark paid on due date.
Split with someone
Only your share counts in your budget.
Add Subscription
Autopay
Auto-mark paid on billing date.
โธ Paused
Skip in budget and reminders.
Add Debt
Used to calculate your real progress %. Leave blank if same as current.
Add Savings Goal
e.g. 20 = 20% of your available money each month
Add Meal
RECIPE LIBRARY
Tap one to pre-fill, then edit anything.
RECIPE DETAILS
INGREDIENTS
One per line. Use real amounts (e.g. "1 lb chicken breast", "2 cloves garlic, minced").
DIRECTIONS
One step per line. Be specific โ these will guide you while you cook.
NOTES โ OPTIONAL
Cook Mode
INGREDIENTS
STEP 1 OF 1
Meal
Shopping Plan
Log Paycheck
Pay Debt
Mark Paid
Unexpected Cost
Debt Strategy
Pick your payoff method. The priority target updates automatically.
CUSTOM ORDER โ use arrows to reorder
Settings
Name is locked after setup.
Shows in your header. Letters only, max 30 chars. Auto-generate
SECURITY
Face ID / Touch ID
Biometric login โ falls back to password.
๐ Auto-blur on focus loss
Hide all amounts when you switch tabs/apps.
NOTIFICATIONS
๐ฐ Payday alerts
๐ Debt celebrations
๐ Bill reminders
๐ฅ Daily motivation
๐ Review reminder
โก Update suggested values
Weekly reminder to review auto-filled or missing info.
OPTIONAL FEATURES
These tabs are hidden by default. Enable only what you need.
๐ฝ Meal Planner
Weekly meal calendar and shopping list.
๐ฏ Savings Goals
Track savings targets. Best used after debt is paid off.
SUBSCRIPTION
INCOME SOURCES
WEALTH
PRO INSIGHTS
TAX BUCKET
Auto-set aside a % of each paycheck for taxes.
Tax bucket running total: $0
BACKUP
ABOUT
MFD Solutions ยท Beta ยท build 20
Account ID: โ
DEV (gated)
โญ Pro Features (dev)
Toggle Pro for testing.
Assign Meal
YOUR MEALS
โญ MFD PRO
Pro Feature
Unlock this and more with MFD Pro.
EVERYTHING IN PRO:
Net worth over time + trend charts
Financial health score (0โ100)
Burn rate & savings rate
"What if" calculators
Strategy comparison (snowball vs avalanche vs custom)
Streaks, milestones & smart nudges
Custom themes (incl. envelope mode)
Year in Review recap
Tax estimate bucket
Found money allocator
$4.99/mo
Cancel anytime ยท 100% local data
Compare Free vs Pro
Pick Your Plan
Pick Your Plan
Your money, your plan, your pace. Start free forever โ upgrade when you're ready.
๐ Both plans: 100% local data. No accounts, no tracking, no selling your info. Ever.
Free isn't a trial. It's a full budgeting app.
Track all your bills, all your debts, all your accounts โ forever, no limits. If you just need to manage your money, Free is enough. Period.
Pro is for people who want their app to feel alive.
Daily nudges. Streaks that keep you motivated. Charts that show your progress. "What if" tools that help you plan. Widgets on your home screen. It's the same app โ just with more soul.
Built by one person.
MFD is a solo project โ no investors, no team, no growth hacks. Pro is what lets me keep building. If Free is what you can afford, that's genuinely okay. Use it. Tell a friend. That helps too.
Assets
$0
Add Asset
e.g. link Home to mortgage, Vehicle to auto loan
Bulk Update
Update all your asset values at once. Toggle ยฑ mode to enter change instead of new total.
ยฑ Change mode
Enter +/โ amount since last update
Sinking Funds
Save for known costs
Christmas, car registration, vacation โ anything you know is coming. Save a little each month.
Add Sinking Fund
Emergency Funds
Your safety nets
Add as many as you need โ Car Repairs, Medical, General โ whatever helps you sleep at night.
Add Emergency Fund
Unexpected Income
RECENT
Tip Log
RECENT TIPS
$0
What Ifโฆ โญ
EXTRA DEBT PAYMENT
SALARY INCREASE
CUT SUBSCRIPTIONS
Strategy Compare โญ
Side-by-side comparison of debt payoff strategies based on your current debts. No strategy is "best" โ pick what fits your life.
Year in Review โญ
Customize
Make MFD feel like yours. Free includes 2 base themes; Pro unlocks the full set + density.
THEMES
DENSITY โญ
Compact mode
Less padding, more on screen.
Debt
Money Tips
Patch Notes
What's New
View full patch notes
โญ
WELCOME
TO MFD PRO
You just unlocked a fundamentally better version of the app. Here's what just opened up:
โก What If tab โ model debt payments, raises, sub cuts
โญ Financial Health Score on Today
โ๏ธ Strategy Comparison (snowball vs avalanche vs custom)
๐ Year in Review recap
๐จ 9 themes + compact density
๐ฅ Streaks + milestone celebrations
๐ Personalized "for you" tips
Share Your Win
Saved as an image you can post, text, or download.