Track your income. Master your expenses. Split with anyone.
Every source in. Every expense out. Shared when it needs to be.
Features
Budget. Track. Split.
Folko is the cashbook app that does it all — track your income, manage your expenses, visualize where your money goes, and split shared costs with anyone.
Track Everything
Log income sources and expenses across multiple cashbooks. Use Quick-Add for fast single-screen entry. Set budget goals and watch your progress in real time.
Spending Overview
Charts show exactly where your money flows — by category, by period, by person.
Share Without The Awkwardness
Add members to any cashbook. Split transactions equally or by custom amounts. Smart Settle calculates the fewest payments to clear all balances.
Settle The Way You Already Pay
One tap to pay via PIX, UPI, Venmo, Zelle, Mercado Pago, PayPal, and more.
Export Anything
Generate PDF, CSV, and Excel reports for any cashbook, any period.
Scan Receipts Instantly
Point your camera at any receipt and Folko logs it automatically.
150+ Currencies
Track expenses in any currency. Real-time exchange rates update automatically so you always know what you spent — no matter where.
A look inside
See it the way you’ll use it.
Three screens, three jobs — daily logging, shared bills, settling up. Same warmth across all of them.
Everything at a glance.
Your pinned cashbook leads with this month’s activity. Other cashbooks sit below in a dense list — jump in, log, get out.
11 payments → 3.
Folko untangles who owes whom and proposes the fewest payments that clear every balance. One tap opens your payment app.
Personal or shared. Same shape.
Personal cashbooks show your balance and trend. Shared ones add a “you owe” line, member ribbon, and inline Settle.
How it works
Three steps. Zero friction.
Get started in under a minute. No bank connections, no complicated setup.
Create a cashbook
Group expenses by trip, household, project, or anything you want.
Log everything
Income, expenses, splits — type it or scan a receipt. It takes seconds.
Settle smart
Smart Settle finds the fewest payments to clear all balances. One tap to pay.
Compared to others
The only one that does both.
Splitters split. Budgeters budget. Folko sits in the gap most apps refuse to cover — with no per-transaction cap, ever.
| Folko | Splitwise | Tricount | YNAB | Mint | |
|---|---|---|---|---|---|
| Personal budgeting | ✓ | — | — | ✓ | ✓ |
| Group expense splitting | ✓ | ✓ | ✓ | — | — |
| Smart Settle (min. payments) | ✓ | ✓ | ✓ | — | — |
| Multi-currency (150+) | ✓ | ✓ | — | — | — |
| Receipt scanning (OCR) | ✓ | ✓ | — | — | ✓ |
| Export (PDF, CSV, Excel) | ✓ | — | ✓ | ✓ | ✓ |
| Unlimited free transactions | ✓ | — | ✓ | — | ✓ |
| No ads, no data selling | ✓ | — | ✓ | ✓ | — |
Folko vs Splitwise Folko ahead 5 / 8
- Personal budgeting✓—
- Group expense splitting✓✓
- Smart Settle✓✓
- Multi-currency (150+)✓✓
- Receipt scanning✓✓
- Export (PDF / CSV / Excel)✓—
- Unlimited free transactions✓—
- No ads, no data selling✓—
Folko vs Tricount Folko ahead 4 / 8
- Personal budgeting✓—
- Group expense splitting✓✓
- Smart Settle✓✓
- Multi-currency (150+)✓—
- Receipt scanning✓—
- Export (PDF / CSV / Excel)✓✓
- Unlimited free transactions✓✓
- No ads, no data selling✓✓
Folko vs YNAB Folko ahead 5 / 8
- Personal budgeting✓✓
- Group expense splitting✓—
- Smart Settle✓—
- Multi-currency (150+)✓—
- Receipt scanning✓—
- Export (PDF / CSV / Excel)✓✓
- Unlimited free transactions✓—
- No ads, no data selling✓✓
Folko vs Mint Folko ahead 4 / 8
- Personal budgeting✓✓
- Group expense splitting✓—
- Smart Settle✓—
- Multi-currency (150+)✓—
- Receipt scanning✓✓
- Export (PDF / CSV / Excel)✓✓
- Unlimited free transactions✓✓
- No ads, no data selling✓—
Comparison reflects each product’s free tier and most-marketed features as of 2026. We left out price — comparing dollar figures across yearly, monthly, and lifetime plans tends to mislead more than it helps.
Pricing
FreeUnlimited transactions. Always.
Track, split, and settle — completely free, forever. Premium unlocks power features like reports and receipt scanning for those who want to go further.
The essentials. No strings attached.
- 3 cashbooks
- 4 members per cashbook
- 3 currencies per cashbook
- Unlimited transactions
- 3 recurring transactions
- 3 receipt scans/month
- 1 savings goal
- Smart Settle & Quick-Add
- Spending Overview & Cash Flow
- Budgets & 20 payment rails
- Amber theme
- No ads, no tricks, ever
$25/yr (30% off) · $99 Founding Member (1,000 seats)
- 10 cashbooks (up from 3)
- 30 members per cashbook
- Unlimited currencies
- Unlimited recurring & receipt scanning
- 5 savings goals
- PDF, CSV & Excel reports
- All 8 themes
- Travel Mode for trips
- Supporter badge
$42/yr (30% off) · $199 Founding Member (1,000 seats)
- 50 cashbooks (up from 10)
- 100 members per cashbook
- Unlimited savings goals
- Bitcoin portfolio with cost basis
- Early access & priority support
- Patron badge
Get Folko
Available on iOS and Android. Free forever.
Coming soon
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About Folko
Folko is a free finance app that combines personal budgeting with group expense splitting in one app. Track your income, manage expenses across multiple cashbooks, visualize where your money goes with Spending Overview charts, and split shared costs with anyone. Unlike Splitwise (splitting only) or YNAB (budgeting only), Folko does both.
Frequently Asked Questions
Last updated: April 2026