Mint shut down. Folko is a free place to track your budget.
Folko has budgets, categories, a Spending Overview, a cash flow forecast and savings goals. It is free forever, with unlimited transactions and no ads. It does not connect to your bank, so you log your own transactions.
Mint is gone.
Intuit shut Mint down on March 23, 2024 and invited its users to Credit Karma. Credit Karma kept spending and net worth tracking. It did not keep monthly budgets or custom categories.
If you want those back without paying, this page lays out what Folko does, what it does not do, and who should look elsewhere.
Folko does not connect to your bank.
Mint pulled your transactions in from your accounts. Folko does not. There is no bank sync, and Folko never asks for your bank login.
You add each transaction yourself. There are four ways to do it:
- Type the amount on a numpad that does arithmetic, such as 12.50+8×3.
- Scan a receipt with the camera. Free has 3 scans a month. Plus and Max have unlimited scans.
- Tap the mic and say what you spent. Free has 3 voice entries a month. Plus and Max have unlimited ones.
- Import a file from another app. This is free on every plan.
Logging takes a few seconds per transaction, and you decide what goes in. Some people find that slower. Others find it makes them look at what they spend.
What you can do in Folko.
Budgets. A budget is a monthly limit for one category, in one Cashbook or across all of them. The bar fills as you spend, and you can carry unspent money into next month. Budgets are free on every plan, with no limit on how many.
Spending Overview. See your spending by category for a week, month, quarter or year, and the last 6 months of money in and out. It is free on every plan.
Cash flow. See your balance and where it is heading in 30, 60 and 90 days, based on recent spending and your recurring transactions. Plus and Max add a dated list of what is coming and the first day you would go below zero.
Savings goals. Set a target and a date, link Cashbooks, and Folko shows whether you are on track. Free has 1 active goal, Plus has 5 and Max has unlimited.
Recurring bills and Payment Alerts. A recurring transaction logs itself on schedule, and Payment Alerts remind you at 9:00 on the morning a bill is due. Free has 3 recurring transactions. Plus and Max have unlimited. Payment Alerts are on every plan.
Your own categories. Folko has a category manager, so you can set up the categories you want.
See where it goes.
The screen shows what you spent this month, money in against money out, and a bar for each category with its share of the total. The figures here are demo data.
Choose all Cashbooks or one, and switch between week, month, quarter and year. You can also view spending by payment method and share the overview as an image.
Read more on the Spending Overview page or plan ahead with budgets and savings goals.
What Folko can import.
Folko has no Mint importer, so a Mint export will not load. It does import from these apps:
- Your own spending history from YNAB, Monefy and Spendee.
- shared cashbooks from Splitwise and Settle Up, balances included.
You pick the file your old app exports, check the preview, and Folko creates a new Cashbook, which counts toward your Cashbook limit. Importing is free on every plan. If you used Mint only for the last few months of your budget, starting fresh in Folko is often just as quick. See importing for the steps.
Free, without ads.
Free has unlimited transactions, no ads, and 3 Cashbooks with up to 4 Members each. That limit is the same for everyone and does not expire.
Plus and Max are optional. They add more Cashbooks, reports in Excel and PDF, travel mode and more. See pricing for what each plan adds.
When Folko is the wrong choice.
If you want your accounts to update on their own, Folko is not for you. Mint did this, and Folko does not.
The same goes if you want one screen with your bank balances, credit score and loans pulled from outside. Folko only knows what you enter or import. You will do better with an app that links to banks.
If you are willing to log your spending, and you want budgets and a clear overview without a subscription, Folko fits.
Mint users ask.
Does Folko connect to my bank?
No. Folko does not sync with bank accounts. You add transactions by typing them, scanning a receipt, saying them aloud, or importing a file.
Can I import my Mint data?
No. Folko has no Mint importer. It imports history from YNAB, Monefy and Spendee, and shared cashbooks from Splitwise and Settle Up. Importing is free on every plan.
Is Folko really free?
Yes. Free has unlimited transactions, budgets, Spending Overview, Payment Alerts and no ads. Plus and Max add more Cashbooks, reports and other extras, and are optional.
What happened to Mint?
Intuit shut Mint down on March 23, 2024 and moved its users to Credit Karma. Credit Karma kept spending and net worth tracking but dropped monthly budgets and custom categories.
Coming to iOS and Android.
Free forever. Send us a note and we’ll write back the day it’s out.
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