Free forever/No ads/No subscriptions/Your data lives in your Google Drive/We never see it/Built by Jouhar Palakkal/Free forever/No ads/No subscriptions/Your data lives in your Google Drive/We never see it/
✦ Personal Finance Tracker

Know exactly where
your money goes

Manual journaling, made effortless. Income, expenses, savings goals, every account — one app. Your data lives in your own Google Drive. We never see it.

Free
To use
0
Ads
∞
Transactions
🔒
Your data, private
Walkthrough

See the whole app

Home
📅 Today's Spend
₹480
of ₹1,000 daily limit · 48%
Buffer Pool
+₹520
💰 Stash
📌 Pinned
HDFC Savings
Account
₹85,000
Home Loan
Loan
₹45L owed
01 / 07
Your daily command centre
Everything at a glance — today's spend vs limit, buffer pool, pinned items and reminders. One scrollable home screen.
Daily Spend Bar — tracks today's expenses against your set limit in real time.
Buffer Pool — unspent daily budget accumulates here. Tap Stash to move it to savings.
Pin anything — accounts, savings goals, loans, credit cards and categories, all pinnable to Home.
This Month
Net Worth
₹4.2L
Savings
₹85K
Income
+₹52K
Expense
-₹18K
Distribution
₹18K EXPENSE
6-Month Cash Flow
02 / 07
Visual financial insights
Your month at a glance. Net worth, savings, income vs expenses — plus a 6-month cash flow trend and category distribution.
Metric Cards — net worth, savings, monthly income and expenses, always visible.
Donut Chart — see which categories are eating your budget this month.
6-Month Bar Chart — spot income vs expense trends at a glance.
History
April 2026
All Types
🔍 Search
Income
₹52K
Expense
₹18K
Saved
65%
Count
24
🍛
Lunch
Food · Daily Driver
-₹180
💼
Salary
Income · HDFC
+₹52K
🚗
Uber
Transport · Wallet
-₹240
☕
Coffee
Food · Daily Driver
-₹80
03 / 07
Every rupee, fully searchable
Filter your history by date, type, category or keyword. Monthly summaries and savings rate at a glance.
Smart Filters — filter by month, year, type or category simultaneously.
Savings Rate — automatically calculated: (income − expense) ÷ income.
Search — find any transaction by description, category or account name.
Accounts & Debt
Assets
HDFC Savings
Savings
₹85,000
Daily Driver
Checking
₹12,400
Liabilities
ICICI Credit
Credit
₹8,200
Owed
₹91,800 available · ₹1,00,000 limit
04 / 07
All your accounts, one view
Manage every account type — savings, checking, cash, investments, credit cards and loans. Net worth updates automatically.
Colour coded — each account has its own colour for instant recognition.
Credit utilisation bar — see how much of your limit is used at a glance.
Liabilities — credit cards and loans tracked separately with pay-bill shortcuts.
Categories & Goals
Savings Goals
🏍️ New Bike
Due Dec 2025
₹68,000
of ₹1,20,000
57% complete · ₹52,000 to go
🚨 Emergency Fund
No deadline
₹45,000
of ₹2,00,000
✈️ Goa Trip
Due Mar 2025
₹22,000
of ₹25,000
88% · Almost there! 🎉
05 / 07
Save with intention
Create savings jars for any goal — a bike, emergency fund, vacation. Progress updates in real time with every transfer.
Progress bars — visual progress toward each goal with amount and percentage.
Deadlines — set target dates and track if you're on pace to hit them.
Linked accounts — each goal is tied to a real savings account for accurate balances.
New Transaction
Expense
Income
Transfer
Amount
₹480
Account
Daily Driver
Category
🍛 Food
⚡ Templates
☕ Morning Chai · ₹30
🚗 Uber · ₹240
06 / 07
Log transactions in seconds
Tap +, enter an amount, pick a category — done. Switch between Expense, Income and Transfer instantly. Save frequent entries as templates.
3 transaction types — Expense, Income and Transfer with smart account and goal routing.
Templates — save any transaction. Morning chai, salary, rent — one tap and it's logged.
EMI Calculator — built in. Shows the implied interest rate before you commit.
Settings
General
Templates
About
Currency
INR (₹)
Theme
🌙 Dark · ☀️ Light · ◐ Greyscale
Default Account
Daily Driver
⚙️ Data Control
Reset Data
Delete Account
07 / 07
Your data, your rules
Full control at all times. Reset selectively or wipe everything. Light, dark, and greyscale mode. Multi-currency. Your preferences saved to your account.
Theme toggle — cycle between dark, light, and greyscale, preference saved to your account.
Multi-currency — INR, USD, EUR, GBP, AUD, JPY and more.
Reset or delete — keep accounts and goals while clearing transactions, or wipe everything. No questions asked.
Everything you need

Built for real financial clarity

No bank connections. No subscriptions. No data selling. Just you and your numbers.

💸
Transaction Tracking
Log income, expenses and transfers in seconds. Use templates for recurring entries. Category and sub-category support built in.
📊
Visual Dashboard
Donut charts, 6-month cash flow trends and category breakdowns — all updating in real time as you add transactions.
🎯
Savings Goals
Create savings jars linked to your accounts. Track progress toward any target — vacation, emergency fund, gadget, anything.
🏦
Account Management
Manage checking, savings, cash, investments, credit cards and loans. Net worth calculated automatically, always up to date.
📅
Reminders
Never miss a bill or expected income. Set reminders with amounts and due dates — track what you owe and what's coming in.
💳
Debt & EMI Tracker
Track credit card bills, loans and EMIs. See exactly what you owe, mark payments, and watch your debt shrink.
⚡
Daily Budget
Set daily spending limits per day of the week. See your real-time buffer and stash unspent budget straight into savings.
📌
Personalised Home
Pin any account, loan, credit card, savings goal or category to Home. Reminders show up here too. Your most important numbers, front and centre.
☁️
Data in Your Google Drive
Your records live as a private file in your own Google Drive AppData folder — not our servers. Only you can access it. We never see it.
🔍
Advanced History
Filter transactions by date range, type, category, or search by description. Every rupee, fully searchable.
✦
AI Financial Assistant
Chat with a finance assistant powered by Gemini. Log by voice, ask spending questions, create reminders — in plain English. Set it up →
🔒
Completely Free. No Catches.
100% free — no subscription, no premium tier, no hidden fees, no ads. Every feature, every user, always. A vibe-coded indie project, free because Google Drive makes it possible at zero cost.
AI Assistant

Your finances, in plain English

A built-in assistant powered by Google Gemini. Ask about spending, log transactions by talking, create reminders — no typing required. Your own API key, zero monthly cost.

Setup — 2 minutes

Get started in three steps

Step 1
🔑

Get your free Gemini API key

Go to Google AI Studio at aistudio.google.com, sign in, and click "Get API key" → "Create API key".

✦  Gemini 1.5 Flash is free — the free tier is generous and recommended for personal use. No credit card required.
Step 2
⚙️

Enable in Folia Settings

Open Settings (gear icon, top right) → General tab → AI Assistant. Toggle it on, paste your key, hit Save.

🔒  Your API key is saved only on your device — it is never sent to our servers. The AI tab appears in your nav once enabled.
Step 3
💬

Start chatting

Tap the AI tab. Type or use the 🎙 voice button to speak. The assistant knows your accounts, categories and recent transactions — no manual context needed.

When the AI wants to add a transaction or reminder, it asks for confirmation before doing anything.
What can it do?

Example conversations

💸 Logging a transaction
I just spent ₹340 on coffee at Blue Tokai
Got it! Logging ₹340 as an Expense under Coffee from your Checking account. Shall I confirm?
📊 Spending insights
How much did I spend on food this month?
You've spent ₹8,240 on food this month across 18 transactions — about 31% of your total expenses, slightly over last month's ₹7,100.
📅 Setting a reminder
Remind me to pay my credit card bill of ₹12,500 on the 5th
Done! I've set a reminder to pay ₹12,500 on June 5th. You'll see it in your Reminders on the Home screen.
🎙 Voice input
🎙 «Petrol — five hundred rupees»
Logging ₹500 under Fuel from Cash. Confirmed and saved!
💰 Net worth & balances
What's my net worth right now?
Your net worth is ₹3,42,800 — up from last month. Savings account and investment fund are your biggest contributors.
🎯 Savings goals
Create a savings goal called Goa Trip for ₹25,000
Creating a Goa Trip goal for ₹25,000. Want me to link it to a specific savings account?

The AI uses Gemini 1.5 Flash — Google's free-tier model. API calls go directly from your browser to Google using your key. Folia never sees your key or your conversations.

How it works

Simple by design

Set up your accounts once

Add all your bank accounts, wallets, credit cards and loans. Folia calculates your real net worth automatically — assets minus liabilities, always accurate.

  • Checking, Savings, Cash, Investment accounts
  • Credit cards with limit tracking and EMI management
  • Loans with repayment progress
  • Choose which accounts count toward net worth
  • Pin any account, loan or card to Home for instant visibility
  • Delete with a balance transfer or full history wipe — your choice
HDFC Savings
Savings
₹85,000
Balance
ICICI Credit
Credit
₹12,400
Owed
₹87,600 available of ₹1,00,000 limit
Net Worth
₹4,22,600

Log transactions in seconds

Tap +, enter the amount, pick a category. Done. Use templates for things you log regularly — your morning chai, monthly salary, rent.

  • Income, Expense and Transfer types
  • Categories with sub-categories
  • Save any entry as a reusable template
  • EMI calculator built right in
🍛
Lunch — Biryani
Food · from Daily Driver
-₹180
💼
Monthly Salary
Income · to HDFC Savings
+₹52,000
🚗
Uber to Office
Transport · from Wallet
-₹240
🔁
To Emergency Fund
HDFC → Savings Jar
₹5,000
🛍️
Amazon Order
Shopping · ICICI Credit
-₹1,299

Save with intention

Create savings jars for specific goals — a new bike, emergency fund, vacation, anything. Watch progress in real time and celebrate every milestone.

  • Unlimited savings goals
  • Linked to your savings accounts
  • Target amount and deadline tracking
  • Pin goals to Home alongside accounts and loans
  • Delete a goal — transfer balance, move to General, or splurge it
🏍️ New Bike
Target ₹1,20,000 · Due Dec 2025
₹68,000
57% · ₹52,000 to go
🚨 Emergency Fund
Target ₹2,00,000
₹45,000
22% · Keep going!
✈️ Goa Trip
Target ₹25,000 · Due Mar 2025
₹22,000
88% · Almost there! 🎉
Add to Home Screen

Use it like a native app

No App Store. No Play Store. No downloads. Install from your browser in seconds — iPhone, Android and desktop.

🍎
iPhone (Safari)
1Open in Safari — tap below to copy the link
2Tap the Share button (box with arrow ↑)
3Tap "Add to Home Screen" → Add
🤖
Android (Chrome)
1Open in Chrome — tap below to copy the link
2Tap the three dots menu (⋮)
3Tap "Add to Home Screen" or "Install App"
💻
Desktop (Chrome / Edge)
1Open in Chrome or Edge — copy link below
2Find the install icon (⊕) in the address bar
3Click "Install Folia"
⚡
iOS Shortcuts
Webapp launching
Launch Folia from your Lock Screen or Control Centre — faster than any app.
1Open Shortcuts → tap +
2Add Action → search "Open URLs" → paste the link
3Rename to Folia → pick symbol & colour
4Tap Share → Add to Home Screen
✨ Once installed, Folia opens fullscreen — no browser bar, no tabs. Feels just like a native app.
🔐 Drive Permissions

We can't read your Drive. Only our own folder.

Folia uses Google's drive.appdata scope — the narrowest Drive permission there is. The app can't access your Google Drive at all. It only stores and reads its own data, in a dedicated directory Google provisions just for it.

🚫
Can't see your files
No access to your documents, photos, or any other Drive content.
📁
Its own hidden folder
Google's app-data folder is invisible to other apps and to people you share with.
↩️
Revoke any time
One click in your Google Account permissions — full control stays with you.
✦ Free forever · No credit card needed

Start tracking today

Join people who finally know where their money goes.
No bank connections. No hidden fees. Your data, in your own Google Drive.