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This work presents \textsc{ChunkFT}, a memory-efficient fine-tuning framework that reformulates full-parameter fine-tuning around a dynamically activated working set. \textsc{ChunkFT} enables gradient computation for arbitrary sub-tensors without modifying the network architecture, providing an algorithmic foundation for optimizing arbitrary sub-networks while avoiding standard dense gradient computation. We provide a theoretical convergence analysis of \textsc{ChunkFT} in the deterministic setting. Empirically, we apply \textsc{ChunkFT} to fine-tune Llama 3-8B and Llama 3-70B using a single RTX 4090-24GB GPU and 2$\times$ H800-80GB GPUs, respectively. Full-parameter fine-tuning of a 7B model with a 1K input length requires only 13.72GB of GPU memory. The results demonstrate the effectiveness of \textsc{ChunkFT} in memory usage, running time, and optimization quality. Moreover, downstream evaluations on language understanding, mathematical reasoning, and MT-Bench show that \textsc{ChunkFT} consistently outperforms existing memory-efficient baselines. Notably, \textsc{ChunkFT} achieves performance comparable to, and in some cases exceeding, full-parameter fine-tuning. Our repository is on this https URL.