Does anyone actually monitor whether they're "on track" for financial freedom — or do you just check your balance and hope for the best?

Been thinking about this lately. There's a gap between "I have a financial plan" 
and "I know whether I'm actually on track."

Budget apps tell you where your money went. Super fund apps show a balance. 
Spreadsheets work for some people. But does anyone have a system that regularly 
checks *all four* of: spending vs budget, investment growth vs targets, debt payoff 
schedule, and retirement income projection?

Curious how people here think about monitoring financial freedom progress over years, 
not just weeks.

(Full disclosure: I've been building something in this space and I'm trying to 
understand whether I've solved a real problem or just my own niche frustration)