A net worth tracker with loans and Bitcoin in one number.
Folko adds up your cashbooks, your loans and your Bitcoin into a single total. It shows the amounts by currency and saves a monthly trend. Net worth and Bitcoin are included with Max.
What counts toward your net worth.
Net worth is the sum of three things: what your cashbooks add up to, your loans, and your Bitcoin. Folko converts them into one currency, your preferred one, so you read a single figure under Total net worth.
Loans count in both directions. Money you lent adds to the total. Money you borrowed subtracts from it. The Loans page explains how to log them.
Savings goals are left out on purpose. A savings goal is money that already sits inside a cashbook, so counting it again would count it twice.
If a currency cannot be converted, Folko says so and shows the native amounts below the total.
By currency, and a trend by month.
Under By currency you see each currency in its own amount, before conversion. This is where a position in a currency you hold shows up as it is.
The Monthly trend is built from snapshots. Each time you open Net worth, Folko saves that month's total, and the trend lists the months saved so far. If no month has been saved yet, the screen says to come back next month. Open it once a month to keep the trend complete.
How Bitcoin gets into the total.
Open Bitcoin
Use the Bitcoin shortcut on Home, or go to Profile and then Bitcoin.
Log each buy or sell
Tap Add holdings, then Log transaction. Enter the date, the BTC amount and the USD amount, or switch on Use market price on this date.
Read your cost basis
Folko shows what you hold, your average entry price, the total invested and the unrealized gain or loss. It uses the weighted-average method.
Limits worth knowing before you rely on it.
The cost basis screen carries its own note: it is not tax advice. Treat the figures as a record of what you entered.
If you log a sell bigger than your holdings, Folko warns that a buy may be missing.
Bitcoin is a Max feature on your own account. A cashbook owner’s Max does not extend to the members of their cashbooks. See pricing for what each plan includes.
Net worth, answered.
Which plan includes net worth?
Max. Net worth and Bitcoin are on your own account, so a cashbook owner’s plan does not cover them.
What does the net worth number include?
Your cashbooks, your loans and your Bitcoin. Loans you lent add to it and loans you borrowed subtract from it. Savings goals are left out, because that money already sits in a cashbook.
How does Folko work out my Bitcoin cost basis?
With the weighted-average method. Folko shows your average entry price, the total invested and the unrealized gain or loss. The app labels it as not tax advice.
Why is my monthly trend empty?
The trend is built from a snapshot Folko saves each month you open Net worth. If no snapshot is saved yet, for example because the total could not be worked out, the screen says to come back next month.
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