Manage Money Together Without Losing Yourself
A shared cashbook for the household budget, separate cashbooks for individual spending — all in one app. See where your money goes together, stay private about the rest. No bank connections ever required.
Try Folko FreeShared Finances Don't Have to Mean Merged Finances
Every couple finds their own financial arrangement. Some merge everything. Some keep it completely separate. Most land somewhere in the middle — shared costs handled together, personal spending kept private. Folko is built for that middle ground.
Rent, groceries, utility bills, streaming subscriptions, dinner out — those are the shared costs that most couples split in some form. Then there's personal spending: clothes, hobbies, gifts for each other, individual savings goals. These don't need to be visible to your partner.
Folko lets you create a shared cashbook for everything that's joint, and a personal cashbook for everything that isn't. Your partner can only see the cashbooks they're a member of. The app handles both without requiring you to link any bank accounts or expose your full financial life.
One App, Two Perspectives
Our Household
Rent, utilities, groceries, subscriptions. Both of you log here. Both of you see the full picture.
Greece Trip Fund
Track what you've each contributed toward the vacation, and log trip expenses when you go.
My Budget
Your income, your personal expenses, your spending overview — visible only to you. No partner access unless you invite them.
Birthday Planning
Log expenses for their surprise party without it appearing in the shared cashbook. Surprise intact.
The Situations Every Couple Knows
The grocery problem: You and your partner take turns doing the big grocery run. One week it's $180, next week it's $210. After two months, nobody's sure if the contributions have balanced out. With a shared cashbook, every trip is logged the moment it happens. At month end, Smart Settle tells you if one person is owed $60 — and you pay via Zelle in one tap.
Household Expenses
Rent, electricity, gas, internet, cleaning services — log each as they're paid and split them however you've agreed. Equal, or weighted by income if that's your arrangement.
Date Nights
Log date expenses in a shared cashbook and alternate who covers. Or split every dinner. Either way, Folko tracks it so neither person feels like they're always paying.
Saving for Goals
Create a cashbook for a vacation, a home deposit, or a big purchase. Log contributions from each of you. Watch the balance grow toward the goal together.
Spending Overview
The Spending Overview charts show exactly where your shared money goes — by category and by period. No more "where did our money go this month?" conversations.
No Bank Access Required
Folko never connects to your bank. You log what you choose. Your partner sees what you choose to share. Privacy between partners is a feature, not an afterthought.
Settle Your Way
At the end of the month, Smart Settle calculates any imbalance. Pay via PayPal, Zelle, Venmo, or PIX — whichever you both use. No new accounts to open.
What Makes Folko Different for Couples
Other budgeting apps assume you're either completely merged or completely separate. Folko is built for the nuanced financial reality most couples actually live.
No bank connection required
You log what you want to track. Nothing is pulled automatically. Your financial data stays with you, not with Folko's servers.
Shared and private cashbooks coexist
The shared household cashbook and your personal cashbook live in the same app. Switch between them with a tap.
Spending Overview without judgment
See your shared spending by category in beautiful charts. Spot patterns without it becoming a blame conversation.
Custom splits, not just 50/50
If you earn differently, split costs proportionally. Set Custom Share on any transaction and Folko tracks the correct amounts for each person.
Smart Settle keeps it clean
No mental accounting of who owes who from last month. Smart Settle calculates the balance and you settle it in one payment.
Genuinely free — forever
Unlimited transactions. No ads. No paywalled features that you'll discover you need after a month. The free tier handles everything most couples need.
Money Clarity Without the Money Stress.
Create a shared cashbook in under a minute. Invite your partner. Start logging. Free, forever, with unlimited transactions.
Try Folko Free