Irregular Income Needs More Than a Spreadsheet
You have three active clients this month, a retainer that pays on the 15th, a one-off project that just wrapped, and a fourth client who pays in USD while you're based in Brazil. Meanwhile, you're logging receipts for software subscriptions, a new laptop, coffee shop work sessions, and the course you took for professional development.
Most personal finance apps are built for salary earners with predictable, single-currency income. Freelancers need something that handles variability — different clients, different project sizes, different currencies, and the discipline to track business expenses through the year so tax season isn't a nightmare.
Folko lets you create a separate cashbook for each client or project, or one master cashbook for your freelance business as a whole. Log income when it arrives, expenses as they happen, and export everything when it’s time to hand off to your accountant — in CSV for free, or PDF and Excel on Plus and Max.
One Cashbook Per Client, or One Master Cashbook — Your Call
The right structure depends on how you work. Folko gives you the flexibility to organize your finances the way your brain works.
Acme Corp Project
Track income from this client separately. Log project-specific expenses. See income against expenses for this client.
Retainer Clients
Monthly recurring income from two retainer clients, with associated expenses. Visible at a glance.
Freelance Business
One consolidated cashbook: all client income in, all business expenses out. Income, expenses and net in one place.
Personal Budget
Separate from business. Track personal spending, salary you pay yourself, and personal savings goals.
Built for How Freelancers Actually Work
International client, different currency: You invoice a German agency in EUR. The payment lands in your account. Log it in EUR and Folko converts it to your cashbook’s currency at the day’s exchange rate, keeping the original amount. No manual conversion, no fumbling with XE.com.
Multiple Income Streams
Log income from each client separately: project fees, retainers, royalties, consulting day rates. Keep a cashbook per client and the Spending Overview shows income against expenses by month, so you can see which clients carry your business.
56 currencies
Work with clients in USD, EUR, GBP, AUD, CAD, or any of 56 currencies. Folko uses the day’s exchange rate. Log in the client’s currency, see totals in yours. Free covers 3 currencies per cashbook; Plus and Max are unlimited.
Receipt OCR Scanning
Point your camera at a receipt from the coffee shop or hardware store. Folko fills in the amount, date and description for you to check and save. 3 scans a month on Free, unlimited on Plus and Max.
Export for Your Accountant
Generate CSV, Excel or PDF reports for any cashbook, any date range. CSV is free; Excel and PDF are on Plus and Max. Send your accountant a clean record of all income and expenses — no reconciliation gymnastics required.
Categorize Everything
Tag expenses by category: software tools, travel, equipment, professional development, office supplies. The Spending Overview then shows where your business costs are concentrated.
Log On the Go
Bought something for a client project while you're out? Log it immediately before you forget. Works offline — syncs when you're back on wifi. No expense disappears because you forgot to log it later.
Hand Your Accountant a Clean Record, Not a Shoebox
Tax time is painful for freelancers who tracked expenses inconsistently. Log as you go and the records are already there when you need them.
Log throughout the year
Every invoice paid, every business expense, every receipt — logged in Folko when it happens. Quick to enter, and unlimited transactions are free.
Categorize as you go
Assign categories to each expense: software, travel, equipment, professional development, home office. Folko's Spending Overview shows your expense breakdown by category instantly.
Export when it's time
Select your date range, pick your format — PDF for a clean summary, CSV or Excel for detailed line-by-line data your accountant can work with directly. CSV is free; PDF and Excel are on Plus and Max.
Send and forget
Share the report with your accountant. Every income and expense transaction is dated and categorized. On Max, Work mode also tags business transactions, logs mileage and exports a tax-year report. No scrambling, no guessing what that $340 charge in March was for.
Your Freelance Finances, Finally Organized.
Start tracking income and expenses today. Free forever with unlimited transactions, up to 3 cashbooks and 4 members. CSV export is free; PDF and Excel exports are available on paid tiers.
Try Folko Free