✦ Personal Finance Tracker

Know exactly where
your money goes

Manual journaling made effortless. Track income, expenses, savings goals and every account — all in one beautiful app. Your data lives in your Google Drive — we never see it.

Free
To Use
0
Ads
∞
Transactions
🔒
Your data, private
Home
📅 Today's Spend
₹480
of ₹1,000 daily limit · 48%
Buffer Pool
+₹520
💰 Stash
📌 Pinned
HDFC Savings
ACCOUNT
₹85,000
🏍️ New Bike
SAVINGS GOAL
₹68K / ₹1.2L
Home Loan
LOAN
₹45L owed
✅ Reminders
ICICI Bill due
₹12,400
01 / 07
Your daily command centre
Everything you need at a glance — today's spend vs limit, buffer pool, pinned items and reminders. All in 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 expense categories all pinnable to Home
Reminders — upcoming bills to pay and money to receive, always visible on Home
This Month
Net Worth
₹4.2L
Savings
₹85K
Income
+₹52K
Expense
-₹18K
Distribution
₹18K expense
6 Month Cash Flow
Income Expense
02 / 07
Visual financial insights
See your month at a glance. Net worth, savings, income vs expenses — plus a 6-month cash flow trend and category distribution chart.
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 transaction history by date, type, category, or keyword. See monthly summaries and your savings rate at a glance.
Smart Filters — filter by month, year, transaction 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
Balance
Daily Driver
CHECKING
₹12,400
Balance
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 credit 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. Watch your progress update 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
Date
Today
Note
Lunch - Biryani
⚡ Templates
☕ Morning Chai · ₹30
🚗 Uber Office · ₹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 for one-tap logging.
3 transaction types — Expense, Income and Transfer with smart account and goal routing
Categories & sub-categories — organise every transaction exactly the way you want
Templates — save any transaction as a template. Morning chai, monthly salary, rent — one tap and it's logged
EMI Calculator — built-in loan calculator shows you the implied interest rate before you commit
Settings
General
Templates
Archive
About
Currency
INR (₹)
Theme
🌙 Dark
Default Account
Daily Driver
⚙️ Data Control
Reset selectively — keep accounts, categories or goals while wiping transactions. Or hard reset for a clean slate.
Reset Data
Delete Account
About Folia Pro
jorzier.com →
07 / 07
Your data, your rules
Full control over your data at all times. Reset selectively or wipe everything. Light and dark mode. Multi-currency support. Your preferences saved to your account.
Theme toggle — switch between light and dark mode, preference saved to your account
Multi-currency — INR, USD, EUR, GBP, AUD, JPY and more
Reset Data — selectively keep accounts, categories or goals while clearing transactions. Or hard reset for a clean slate
Delete Account — permanently remove your account and all data, anytime, 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 payment 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 directly into savings.
📌
Personalised Home
Pin any account, loan, credit card, savings goal or expense category to your Home dashboard. Reminders show up here too — bills to pay, money to receive. Your most important numbers, always front and centre.
☁️
Your Data Lives in Your Google Drive
Your financial records are saved as a private file in your own Google Drive AppData folder — not on our servers. Only you can access it. We never see it, touch it, or store it anywhere else.
🔒 AES-256 encrypted at rest · TLS in transit · Zero access by us
🔍
Advanced History
Filter transactions by date range, type, category, or search by description. Every rupee, fully searchable.
✦
AI Financial Assistant
Chat with a personal finance assistant powered by Google Gemini. Log transactions by voice, ask spending questions, create reminders — in plain English. Uses your own free Gemini API key; your key never leaves your device.
How to set it up →
🔒
Completely Free. No Catches.
Folia Pro is 100% free — no subscription, no premium tier, no hidden fees, no ads. Every feature is available to every user, always.
Your data is stored as a single lightweight JSON file — plain text, a few kilobytes at most. It barely makes a dent in your Google Drive storage.
This is a vibe-coded indie project — free because Google Drive integration makes it possible at zero cost. In the unlikely event that Google changes those integration terms, it could affect how the app works. Not expected, but worth knowing.
No subscription No ads No card needed
AI Assistant

Your finances, in plain English

Folia Pro has a built-in AI assistant powered by Google Gemini. Ask about your 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 with your Google account, 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 to get started.
Step 2
⚙️

Enable in Folia Pro Settings

Inside Folia Pro, open Settings (gear icon, top right) → General tab → scroll to AI Assistant. Toggle it on, paste your API key, and hit Save.

🔒 Your API key is saved only on your device — it is never sent to our servers.
💡 The AI tab appears in your navigation once enabled. You can also pin a quick "✦ Ask AI" button to your Home screen from Settings → App Layout.
Step 3
💬

Start chatting

Tap the AI tab in your navigation. 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 will ask 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. That's 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 section 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 savings 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 are made directly from your browser to Google's servers using your key. Folia Pro never sees your API 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 Pro 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 your net worth
  • Pin any account — including loans and credit cards — to your Home for instant visibility
  • Pin savings goals and expense categories to Home too — see everything important at a glance
  • Delete accounts with a balance transfer or full history wipe — your choice
  • Reset data anytime: wipe everything or selectively keep accounts, categories and goals
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 the + button, 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 your progress in real time and celebrate every milestone.

  • Unlimited savings goals
  • Linked to your savings accounts
  • Target amount and deadline tracking
  • Pin goals to your Home dashboard alongside accounts and loans
  • Delete a goal — transfer balance, move to General jar, or splurge it as an expense
  • Reset category progress anytime for a fresh start
🏍️ 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 directly from your browser in seconds — works on iPhone, Android, and desktop.

🍎
iPhone (Safari)
1 Open in Safari — tap below to copy the link
2 Tap the Share button (box with arrow ↑)
3 Tap "Add to Home Screen" → Add
🤖
Android (Chrome)
1 Open in Chrome — tap below to copy the link
2 Tap the three dots menu (⋮)
3 Tap "Add to Home Screen" or "Install App"
💻
Desktop (Chrome / Edge)
1 Open in Chrome or Edge — copy link below
2 Look for the install icon (⊕) in the address bar
3 Click "Install Folia Pro"
⚡
iOS Shortcuts
Webapp launching
Launch Folia Pro from your Lock Screen or Control Centre — faster than any app.
1 Open Shortcuts app → tap +
2 Tap Add Action → search "Open URLs" → paste the link
💡 Use this webapp:// link for iOS Shortcuts — it opens Folia Pro directly as a webapp without the browser interface.
3 Rename to Folia Pro → tap icon to pick symbol & colour
4 Tap Share → Add to Home Screen
5 For Lock Screen: long press → Customise → add shortcut widget
✨ Once installed, Folia Pro 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 Pro uses Google's drive.appdata scope — the narrowest Drive permission available. The app doesn't access your Google Drive at all. It only stores and reads app data, like any other app, in its own dedicated, secure directory that Google provisions just for us.

🚫
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 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, stored in your own Google Drive.