Your finances, finally in one place
Your Money. Understood.
Finally know where your money goes, how your investments are doing, and whether you are on track - without jumping between five apps.
What is Folio?
One app. Your entire financial life.
Stop switching between five apps to understand your money. Folio brings everything into one place and tells you what it means.
Everything you need
Built for how you actually live
Budgets that actually stick
Flexible category budgets that adjust automatically as your spending patterns evolve — no spreadsheet required.
Shared Workspaces
Mine, yours, and ours — with a single toggle
Create a workspace for your joint budget, keep a private one for personal spending, and switch between them in one click — no re-login, no separate accounts.
- Joint and private views with per-workspace privacy controls
- Invite a partner or family member with role-based access
- Real-time sync so both people always see the same truth
Net Worth & Cash Flow
See your complete financial picture, at a glance
Track where every dollar comes from and where it goes. Watch your net worth grow in real time with beautiful charts that make complex data immediately understandable.
- Unified view of all accounts, investments, and liabilities
- Automatic income and expense categorization
- Month-over-month and year-over-year comparisons
AI Analysis
Understand your finances in plain English
Ask questions about your money and get clear, detailed analysis backed by your actual financial data. Folio surfaces patterns, trends, and anomalies — not generic advice.
- Analyzes your actual accounts, portfolio, and spending history
- Surfaces patterns, anomalies, and opportunities proactively
- Supports OpenAI, Anthropic, Google, and xAI models
Transactions
Every transaction, automatically organized
Stop manually sorting receipts. Every transaction is imported, categorized, and searchable in seconds.
- Automatic categorization across all accounts and cards
- Powerful search and filter to find any transaction instantly
- Split transactions across multiple categories or budgets
Payroll Deposit
Income
Proactive AI
Your AI tells you the story behind the numbers
Most financial apps show you data and leave the thinking to you. Folio's AI works continuously in the background — surfacing patterns, flagging risks, and writing plain-language summaries so you always know what actually matters.
- Monthly narratives written from your real account data
- Proactive alerts before problems become expensive
- Investment, spending, and savings analysis in one view
On every device
Your finances, always in your pocket
Folio works seamlessly across web, iOS, and Android. Check your net worth on the train, review a transaction on your phone, plan your budget at your desk — everything stays in sync automatically.
A different approach
The standard has been low for too long.
Every other financial app makes the same trade-offs. We chose not to.
Real-time. Not yesterday.
Most financial tools sync overnight — if at all. Every account in Folio updates the moment a transaction clears. Your net worth number is always current, never an estimation from 48 hours ago.
An analyst, not a dashboard.
Dashboards show you data and leave the thinking to you. Folio's AI agents monitor your accounts continuously, surface patterns you would never catch manually, and answer questions about your money in plain language — instantly.
Complete. Not a single category.
Budgeting tools only see spending. Investment apps only see portfolios. Folio sees everything — cash, debt, assets, and shared accounts — then draws connections across all of it to give you a picture that is actually complete.
Built for how people actually live.
Money is rarely one person's concern. Folio's workspaces make it practical for individuals, couples, and families to manage finances together — with the privacy controls and role clarity that keep it working when it matters most.
Pricing
Free for individuals.
Full-featured from day one.
We believe financial clarity should not be gated behind a $99 annual subscription. Individual access is free, forever.
Everything you need to understand and grow your personal finances.
- Unlimited bank & investment connections
- Net worth tracking
- Transaction history (all time)
- AI-powered spending analysis
- Portfolio overview
- Mobile & web access
Shared workspaces for couples and families — with privacy controls built in.
- Everything in Individual
- Up to 5 shared workspaces
- Granular permission controls
- Joint and private expense views
- Household budget collaboration
- Priority support
Competitor pricing as of February 2026. Monarch Money individual plan $179.99/yr.
Security & privacy
Your data is yours. Always.
We built Folio on a foundation of security and transparency. Here is exactly how we protect you.
SOC 2 Type II
Independently audited security controls. Your data is protected to the highest industry standard.
256-bit encryption
All data is encrypted in transit and at rest using AES-256 — the same standard used by major banks.
Read-only access
We connect to your accounts in read-only mode. We cannot move money or make changes on your behalf.
Privacy first
Your financial data is never sold or shared with third parties. You own it and can delete it at any time.
Connects securely to 12,000+ financial institutions
Chase
Bank of America
Wells Fargo
Citi
Fidelity
Charles Schwab
Vanguard
TD Ameritrade+ 11,992 more
Get started today
Your finances, finally
understood.
Connect every account in minutes. Get the complete picture you have never had before.