Every source in. Every expense out. Shared when it needs to be.
With your email, Google, or Apple on an iPhone. There is no password: email sign-in sends a 6-digit code.
One for home, one for a trip, one for a side job. Each keeps its own categories and currencies.
Type it, say it, or scan the receipt. Recurring bills log themselves.
Invite people with a link, or add someone by name before they join. Smart Settle finds the fewest payments that clear every balance.
Keep a cashbook for home, one for a trip, one for a side job. Recurring transactions log themselves, Payment Alerts tell you on the day a bill is due, and budgets and savings goals fill up as you go.
Give any category a monthly budget, in one cashbook or across all of them. The bar fills as you spend, and Folko tells you at 75%, 90% and 100%.
Spending Overview breaks the month down by category and by period, and puts last month beside it.
Cash flow puts your recurring income and bills on their own dates and projects your balance 30, 60 and 90 days ahead.
A paycheck or a coffee: choose Income or Expense, a category and the amount, and save. Everything you need is on the first screen.
Scans and voice entries are unlimited on Plus and Max.
Tag every transaction with the card, cash or account you used, filter your spending by it, and see each credit card’s statement before it’s due.
Tag business transactions as you log them, keep a mileage log, and export the tax year when your accountant asks.
Add members to any cashbook and split each transaction Equal, By amount or By %. Split one receipt across categories, or item by item between the people who had them.
Smart Settle works out the fewest payments that clear every balance. Pay back through Pix, UPI, Venmo, Zelle, Mercado Pago, PayPal and more. Folko opens it or copies the details.
Send a settle link to anyone. They see what they owe and how to pay you, without the app.
SEPA
UPI
Alipay
Zelle
Interac
Bank transfer
Example: four friends, eight debtsSmart Settle: three payments
Group a trip’s spending inside any cashbook. Log each purchase in the currency you paid, and see it converted at the day’s rate.
Name a trip, set its dates, and see what it cost, what came in and the net.
PlusEach purchase is converted at the rate for its date and keeps it, so a trip’s total never shifts. Free cashbooks hold up to 3 currencies each; Plus and Max have no limit.
Each card’s statement shows one total per billed currency.
A private list of what you lent or borrowed, kept apart from any cashbook. Log partial repayments as they come in and see what is left, with totals per currency.
Every planYour cashbooks, loans and Bitcoin in one number, with a monthly trend.
MaxTrack your BTC apart from your cash, with the average entry price.
Max
Import a shared group, balances included, or your own spending history from the file your old app exports. Free on every plan.
Splitwise and Settle Up groups become a cashbook with everyone in it, balances included. People who aren’t on Folko yet get their own link to join.
YNAB, Monefy and Spendee exports become a cashbook only you see, with your categories and accounts.
Nothing is saved until you confirm, each row keeps its own currency, and Folko checks the balances against the file. Import the same file again and only what’s new is added.
Importing costs nothing on any plan. Your plan’s cashbook, member and currency limits still apply.
Pick from the Originals or from countries in every region, each with a light and a dark version. Amber is free. The Originals come with Plus. Country themes with Max.
FreePlusMax
Folko does both, in one place, with no cap on free transactions.
| Folko | Splitwise | Tricount | YNAB | |
|---|---|---|---|---|
| Personal budgeting | ✓ | — | — | ✓ |
| Group expense splitting | ✓ | ✓ | ✓ | — |
| Smart Settle (min. payments) | ✓ | ✓ | ✓ | — |
| Multi-currency | ✓ | ✓ | — | — |
| Receipt scanning (OCR) | ✓ | ✓ | — | — |
| Export (PDF, CSV, Excel) | ✓ | — | ✓ | ✓ |
| Unlimited free transactions | ✓ | — | ✓ | — |
| No ads ever | ✓ | — | ✓ | ✓ |
Comparison reflects each product’s free tier and most-marketed features as of 2026. We left out price — comparing dollar figures across yearly and monthly plans tends to mislead more than it helps.
Unlimited transactions are free forever. Paying gets you more cashbooks and the extras below, and keeps Folko independent.
Tag business transactions, log mileage and export a tax-year report.
MaxA short AI summary of last month’s spending. Your first one is free.
PlusFolko reminds members who owe you, so you don’t have to.
PlusPDF and Excel for any cashbook and period. CSV is free on every plan.
PlusTrack, split, and settle — completely free, forever. Plus and Max unlock power features like reports and unlimited receipt scanning for those who want to go further.
Free
$0 /forever
The essentials. No strings attached.
Plus
$2.99 /mo
$25/yr (30% off)
Everything in Free, plus:
Max
$4.99 /mo
$42/yr (30% off)
Everything in Plus, plus:
Not here? Try the help center or write to support@folko.io. A person answers.
No. Folko is a cashbook: it never holds or moves your money, and it never connects to your bank. When you settle up, you pay in the app you already use. Folko opens that app or copies the details for you.
Yes, Folko is genuinely free forever with unlimited transactions, no ads, and no tricks. You get 3 cashbooks, 4 members per cashbook, 3 currencies per cashbook, 3 receipt scans/month, one-screen transaction entry, Smart Settle, Spending Overview, Cash Flow forecast, and Budgets for free. Optional Plus ($2.99/mo) and Max ($4.99/mo) tiers unlock more cashbooks, members, unlimited currencies, Travel Mode, reports, unlimited scanning, and extra themes — but the core experience never costs a penny.
Not to start. Add someone by name and split with them straight away. When they are ready, send them their join link and they take over their own balance. A settle link shows anyone what they owe and how to pay you, without the app.
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. Then you pay through the app you already use — PayPal, Venmo, Pix, UPI, Zelle, or any of 19 supported payment rails — and Folko opens it or copies the details for you.
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 56 currencies. Folko also offers unlimited free transactions, while Splitwise limits free users.
Yes. Import a Splitwise or Settle Up group with its balances, or your own spending from a YNAB, Monefy or Spendee export. Nothing is saved until you confirm, and importing is free on every plan.
Yes. What you log without a connection waits on your phone and syncs when you are back. If something cannot sync, Folko keeps it and shows it so you can try again. Receipt scans, voice entries and imports need a connection.
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 CSV (every plan), or PDF and Excel (Plus and Max) at any time, and delete your account in one tap.
Yes. Everyone can export CSV, and Plus and Max users can also export PDF and Excel (XLSX) reports, for any cashbook and any time period. Your data is always yours — Folko is committed to full data portability.
Folko supports 19 payment rails for settling balances, including PayPal, Venmo, Cash App, Pix, UPI, Zelle, Mercado Pago, SEPA, Interac and Bizum. Folko does not process payments directly — it opens your payment app or copies the payment details for you.
Free Folko includes 3 cashbooks, 4 members per cashbook, 3 currencies per cashbook, unlimited transactions, 3 recurring transactions, 3 receipt scans/month, 1 savings goal, one-screen transaction entry, Smart Settle, Spending Overview, Cash Flow forecast, Budgets, and 19 payment rails. Plus ($2.99/mo or $25/yr) adds 10 cashbooks, 30 members, unlimited currencies, unlimited recurring transactions, unlimited receipt scanning, 5 savings goals, PDF/Excel reports, every Original theme (country themes come with Max), and Travel Mode (Trips). Max ($4.99/mo or $42/yr) adds 50 cashbooks, 100 members, unlimited savings goals, and a Bitcoin portfolio with weighted-average cost basis. CSV export is included on every plan.
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.
Free forever. Send us a note and we’ll write back the day it’s out.
Notify me at launch