See Where Your Family's Money Actually Goes
A household budget tracker that covers groceries, kids' expenses, vacation savings, and every shared family cost — in one app, with no bank connections required. Finally know what your family spends without the guessing.
Try Folko FreeFamily 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, by person. 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. No syncing delay, no duplicate entries, 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. Your family's financial data is yours — not processed by a third party, not used for ad targeting.
Kids' Allowances
Log your child's weekly allowance as an expense. Track what they spend it on (if they log their own cashbook). A natural way to introduce money concepts to older kids.
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. No hidden tiers that lock essential features. The free plan handles everything most families need — genuinely, not as a teaser.
150+ Currencies
Traveling internationally? Log expenses in the local currency. Folko converts everything to your home currency at daily live rates.
Export Reports
Generate PDF or Excel summaries for any cashbook, any date range. 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, unlimited transactions. Add your partner in seconds.
Try Folko Free