Track your income. Master your expenses. Split with anyone.

Every source in. Every expense out. Shared when it needs to be.

Create an Account See how it works
S
Good morning, Sam Personal
Safe to Spend
$0
Balances
No debts
Settle via PayPal Venmo Cash App Zelle PIX UPI Mercado Pago SEPA Bizum Giropay Interac

Features

Budget. Track. Split.

Folko is the cashbook app that does it all — track your income, manage your expenses, visualize where your money goes, and split shared costs with anyone.

Track Everything

Log income sources and expenses across multiple cashbooks. Use Quick-Add for fast single-screen entry. Set budget goals and watch your progress in real time.

Spending Overview

Charts show exactly where your money flows — by category, by period, by person.

Share Without The Awkwardness

Add members to any cashbook. Split transactions equally or by custom amounts. Smart Settle calculates the fewest payments to clear all balances.

Settle The Way You Already Pay

One tap to pay via PIX, UPI, Venmo, Zelle, Mercado Pago, PayPal, and more.

PayPal Venmo Cash App Zelle PIX UPI Mercado Pago SEPA Bizum Giropay Interac
Supporter+

Export Anything

Generate PDF, CSV, and Excel reports for any cashbook, any period.

Supporter+

Scan Receipts Instantly

Point your camera at any receipt and Folko logs it automatically.

150+ Currencies

Track expenses in any currency. Real-time exchange rates update automatically so you always know what you spent — no matter where.

How it works

Three steps. Zero friction.

Get started in under a minute. No bank connections, no complicated setup.

Create a cashbook

Group expenses by trip, household, project, or anything you want.

Log everything

Income, expenses, splits — type it or scan a receipt. It takes seconds.

Settle smart

Smart Settle finds the fewest payments to clear all balances. One tap to pay.

Unlimited transactions. Free. Forever.

Encrypted in transit and at rest. Never sold. Never shared with advertisers. Your data is yours.

Pricing

Free

Unlimited transactions. Always.

Track, split, and settle — completely free, forever. Premium unlocks power features like reports and receipt scanning for those who want to go further.

Free
$0 /forever

The essentials. No strings attached.

  • 3 cashbooks
  • 4 members per cashbook
  • 3 currencies per cashbook
  • Unlimited transactions
  • 3 recurring transactions
  • 3 receipt scans/month
  • 1 savings goal
  • Smart Settle & Quick-Add
  • Spending Overview & Cash Flow
  • Budgets & 20 payment rails
  • Amber theme
  • No ads, no tricks, ever
Create an Account
Popular
Supporter
$2.99 /mo

$25/yr (30% off) · $99 Founding Member (1,000 seats)

  • 10 cashbooks
  • 30 members per cashbook
  • Unlimited currencies
  • Unlimited transactions
  • Unlimited recurring & scanning
  • 5 savings goals
  • PDF, CSV & Excel reports
  • All 8 themes
  • Travel Mode (Trips)
  • Supporter badge
Choose Supporter
Patron
$4.99 /mo

$42/yr (30% off) · $199 Founding Member (1,000 seats)

  • 50 cashbooks
  • 100 members per cashbook
  • Unlimited currencies & transactions
  • Unlimited recurring & scanning
  • Unlimited savings goals
  • PDF, CSV & Excel reports
  • All themes
  • Travel Mode (Trips)
  • Bitcoin portfolio with cost basis
  • Early access & priority support
  • Patron badge
Choose Patron

Get Folko

Available on iOS and Android. Free forever.

Coming soon

You're on the list!

Something went wrong. Try again.

Genuinely Free — Forever

Unlimited transactions. No ads. No tricks. Ever. Premium features like reports and receipt scanning are for power users — the core experience is free, and it always will be.

Create an Account
No ads ever Unlimited transactions Export your data anytime

About Folko

Folko is a free finance app that combines personal budgeting with group expense splitting in one app. Track your income, manage expenses across multiple cashbooks, visualize where your money goes with Spending Overview charts, and split shared costs with anyone. Unlike Splitwise (splitting only) or YNAB (budgeting only), Folko does both.

150+
Currencies supported
15
Languages available
10
Payment rails
∞
Free transactions

How Folko compares

Feature Folko Splitwise Tricount YNAB Mint
Personal budgeting ✓ ✗ ✗ ✓ ✓
Group expense splitting ✓ ✓ ✓ ✗ ✗
Smart Settle (min. payments) ✓ ✓ ✓ ✗ ✗
Multi-currency (150+) ✓ ✓ ✗ ✗ ✗
Receipt scanning (OCR) ✓ ✓ ✗ ✗ ✓
Export (PDF, CSV, Excel) ✓ ✗ ✓ ✓ ✓
Payment rails (20 methods) ✓ ✓ ✗ ✗ ✗
15 languages ✓ ✗ ✓ ✗ ✗
Unlimited free transactions ✓ ✗ ✓ ✗ ✓
No ads ever ✓ ✗ ✓ ✓ ✗
Price Free Freemium Free $14.99/mo Discontinued

Frequently Asked Questions

What is Folko?
Folko is a free finance app that combines personal budgeting with group expense splitting in one app. Unlike apps that only do one or the other, Folko lets you track your income, manage expenses across multiple cashbooks, visualize your spending with charts, and split shared costs with anyone — all in one place.
Is Folko free?
Yes, Folko is genuinely free forever with unlimited transactions, no ads, and no tricks. You get 3 cashbooks, 4 members per cashbook, 2 currencies per cashbook, 3 receipt scans/month, Quick-Add, Smart Settle, Spending Overview, Cash Flow forecast, and Budgets for free. Optional Supporter ($1/mo) and Patron ($5/mo) tiers unlock more cashbooks, members, unlimited currencies, Travel Mode, reports, unlimited scanning, and premium themes — but the core experience never costs a penny.
How does Folko compare to Splitwise?
Splitwise focuses exclusively on group expense splitting. Folko does everything Splitwise does — group splitting, Smart Settle, payment rails — plus full personal budgeting: income tracking, budget goals, Spending Overview charts, and multi-currency support with 150+ currencies. Folko also offers unlimited free transactions, while Splitwise limits free users.
Can Folko track expenses in multiple currencies?
Yes. Folko supports 150+ currencies with live exchange rates updated daily. You can track expenses in any currency and Folko automatically converts amounts so you always know what you spent, no matter where you are.
How does Smart Settle work?
Smart Settle is Folko's algorithm that analyzes all balances in a cashbook and calculates the minimum number of payments needed to settle all debts. Instead of everyone paying everyone, Smart Settle reduces the transactions to the fewest possible. One tap connects you to your preferred payment method — PayPal, Venmo, PIX, UPI, Zelle, or any of 20 supported payment rails.
What payment methods does Folko support?
Folko supports 20 payment rails for settling balances: PayPal, Venmo, Cash App, PIX, UPI, Zelle, Mercado Pago, SEPA, Interac, and Bizum. Folko does not process payments directly — it deep-links to your preferred payment app for a one-tap settlement experience.
Is Folko available in my language?
Folko is available in 15 languages: English, Spanish, Portuguese, French, Arabic, Hindi, Indonesian, Turkish, German, Chinese, Japanese, Russian, Korean, Vietnamese, and Italian. Arabic includes full RTL (right-to-left) layout support.
How does Folko protect my data?
Folko encrypts your data in transit (TLS) and at rest on secure cloud infrastructure. Your account is isolated at the database level, so no other user can access your cashbooks. We never sell your data, never share it with advertisers or data brokers, and only disclose it when legally required. You can export everything as PDF, CSV, or Excel at any time, and delete your account in one tap.
Can I export my data from Folko?
Yes. Supporter and Patron tier users can export their data as PDF, CSV, or Excel (XLSX) reports for any cashbook and any time period. Your data is always yours — Folko is committed to full data portability.
What is the difference between Folko free and paid tiers?
Free Folko includes 3 cashbooks, 4 members per cashbook, 2 currencies per cashbook, unlimited transactions, 3 recurring transactions, 3 receipt scans/month, 1 savings goal, Quick-Add, Smart Settle, Spending Overview, Cash Flow forecast, Budgets, and 20 payment rails. Supporter ($1/mo or $10/yr or $100 lifetime) adds 10 cashbooks, 30 members, unlimited currencies, unlimited recurring transactions, unlimited receipt scanning, 5 savings goals, PDF/CSV/Excel reports, all 8 themes, Travel Mode (Trips), and a Supporter badge. Patron ($5/mo or $48/yr or $250 lifetime) adds 50 cashbooks, 100 members, unlimited savings goals, Bitcoin portfolio with weighted-average cost basis, early access, priority support, and a Patron badge.

Last updated: April 2026