Family Finances Are Complicated. Tracking Them Shouldn't Be.
You earn from one or two income sources. The money goes to rent or mortgage, groceries, kids' school costs, activities, utilities, car expenses, and a hundred smaller things. By the end of the month, you're not sure where it went — you just know it's gone.
Most budgeting apps are built for individuals with simple finances. Families need something that handles multiple people contributing to and drawing from a shared pool — with the ability to track different spending areas separately so you can actually see the patterns.
Folko lets you create multiple cashbooks for different family needs: one for the household budget, one for the vacation fund, one to track each child's expenses. Everyone who needs access has it. Everyone who doesn't need access doesn't. The Spending Overview charts show you exactly where your family's money flows — by category and by period — so conversations about spending are based on facts, not feelings.
A Cashbook for Every Corner of Family Life
You don't have to use all of these — but every one of them is a real thing families track in Folko.
Household Budget
Rent/mortgage, utilities, groceries, household supplies — the core of what your family spends.
Kids' Expenses
School supplies, sports gear, tutoring, field trips, clothes — tracked separately from the household budget.
Summer Vacation Fund
Track contributions toward the trip. Log expenses when you go. See what you've spent against what you saved.
Grocery Tracking
Log every grocery run. See your monthly grocery spend over time. Spot where it's creeping up.
Pet Expenses
Vet bills, food, grooming — families with pets often track these separately to see the true cost of pet ownership.
College Savings
Track monthly contributions and watch the balance grow toward a savings goal over time.
The Moments That Matter in Family Budgeting
The grocery mystery: You budget $800/month for groceries. By the 20th, you've already spent $740. Where did it go? With Folko, every grocery run is logged as it happens. The Spending Overview shows you week by week — and you can see that two mid-month birthday party shopping trips added $180 that you didn't factor into the budget. Now you can plan differently next month.
Spending Overview
Charts that show where your family money goes — by category, by month. Groceries vs. dining out, utilities vs. subscriptions. Patterns become visible at a glance.
Multiple Members
Both parents can log transactions to the shared cashbook from their own phones, even offline. Entries sync when the phone reconnects, so there are no duplicate entries and no "did you log that?" questions.
Budget Goals
Set a monthly budget target for groceries, dining, or entertainment. Folko shows your progress in real time so you know how you're tracking before the month is over.
No Bank Connections
You log what you choose. Folko never connects to your bank account, and there are no ads and no ad targeting. If you scan a receipt or dictate an entry, that image or text goes to Google Gemini to read it. The same applies to the optional Monthly Recap, which sends only spending totals by category.
Kids' Allowances
Log your child's weekly allowance as an expense. When they tell you what they bought, log it under a category yourself. A plain way to show older kids where their money goes.
Vacation Planning
Create a vacation cashbook before the trip. Log every expense during — flights, hotels, activities, restaurants. See the true cost of the trip and plan better next year.
Everything Your Family Needs. Nothing Extra.
Folko doesn't add complexity. It removes it. The features families use most, presented clearly, with no friction.
Log in Seconds
Add a transaction in 10 seconds. Tap, enter amount, pick category, done. No forms, no required fields, no friction between the receipt and the record.
Scan Receipts
Point your phone at a receipt and Folko reads it automatically. No typing the amount from the grocery receipt while the kids wait in the parking lot.
See Trends
Compare this month to last month. See which categories are growing. Spending Overview makes the patterns visible without needing to build a spreadsheet.
Free. Actually.
Unlimited transactions forever. No ads, ever. The free plan covers 3 cashbooks and 4 members — Plus raises the caps when your family needs more.
56 currencies
Traveling internationally? Log expenses in the local currency. Free covers 3 currencies per cashbook, Plus and Max unlimited. Folko converts everything to your home currency at daily rates.
Export Reports
Export any cashbook for any date range. CSV is free on every plan; Excel and PDF come with Plus and Max. Useful for tax filings, insurance claims, or just your own annual review.
Know Where Your Family's Money Goes.
Start with a household cashbook today. Free forever with unlimited transactions, up to 3 cashbooks and 4 members. Add your partner in seconds.
Try Folko Free