For households that already track their money
Most budgeting apps never end the month.
FOLIO does. You plan the month, log what you spend, then check it against your bank balances and lock it. A locked month never changes, so the next one starts from numbers you have already checked.
- You enter transactions. FOLIO never connects to your bank.
- Built around families with multiple income streams.
- Your whole record exports to CSV whenever you want it.
The audit needs no account. Your answers stay in your browser.
One month, start to finish
Follow one household through a sample month
Two salaries that land on the 29th, rent from a flat they let, and 1,000 invested on the 1st of every month. The figures are a sample, in any currency.
1 Sep · Plan
The plan is one equation
Income, minus what you invest first, minus living costs, leaves the planned surplus. You decide which pots it should fill. They fill at the close, from what the month produced.
Income 9,880.00
Living 6,600.00
The surplus 2,280.00
Saved into pots from this surplus
Nothing moves yetThe pots fill at the close, from what September produced, not from what you hoped it would.
Where most apps get this household wrong
Salary on the 29th
It counts for the month it pays for. Most apps book it in August, so August looks rich and September looks broke.
Rent from the flat
An expected item. At the close you see whether it arrived, and whether it arrived in full.
Invested on the 1st
Its own line, not spending. The close shows two rates: invested plus left over, and left over alone.
10 Sep · Record
64.20 at the supermarket
You enter it yourself, on your phone: amount, category, who paid. It takes a few seconds.
Amount must be more than zero
Sample entry, filled in for you. Change anything and save it: nothing leaves this page.
276.60 left this month
Refunds and reimbursementsThey go in as money back under Adjustments. They reduce the spending they reverse and never count as income.
30 Sep · Close, step 2
A forgotten 100 in cash
At month end you type each account's closing balance from your bank statement. FOLIO compares it with what you recorded. It never connects to your bank.
You check the statement: 28 September, cash withdrawal, 100.00. You spent all of it at the market that day and never logged those purchases. The withdrawal itself isn't spending; what you bought with it is.
If you can't find a gapClose anyway. The record says the month is unexplained by that amount, in the same neutral colour as everything else. October still opens from the balance your bank showed.
Three honest outcomesEvery closed month records how its balances ended: penny perfect, explained, or unexplained.
2 Oct · Close, steps 3 and 4
September left 2,340. Place it, then lock the month.
The plan left 430.00 to allocate. September produced 60.00 more, so General settles at 490.00.
A month that runs short works the other way: you choose which pots cover it.
Locking writes September into your record. It can't be edited after that. A correction goes into October.
First decide what to do about the 100.00 gap on 30 September.
September is in your record. See it below.
The record
Every closed month joins your record
A closed month stays as you signed it off. A mistake you find later is fixed in the next open month, so the history you look back on is the one you checked.
Sample household. Saved = invested on the 1st plus what was left at month end. Brackets mark a month that ran short. Balances = how that month's reconciliation ended.
- You are the source
- You record what happened. Your bank balance confirms it at the close. FOLIO never connects to your bank.
- Take it with you
- Export one month or the whole record to CSV, whenever you like.
- Where it lives
- Each pilot household gets its own private instance, on a server in Frankfurt.
I ran my family's money in a Numbers spreadsheet for years: two payslips, a rental flat, and a close at the end of every month. The method worked. Keeping the spreadsheet running took too long. FOLIO is that process, without the upkeep.
Manuel, founder · Italy
Pilot
Ten households, chosen for how they already work
We're recruiting the first ten pilot households, and we're looking for one kind in particular.
- You already track household money, and feel you're outgrowing your current system.
- At month end, you reconcile against your bank balances.
- You're happy to log spending by hand.
How it runs
- You email us one line on how you close your month today.
- We set up your private instance together, on a call.
- You run two month-end closes in FOLIO.
- The pilot is free. At the end of month two you can keep going at a founding-member price.
Apply by email
Write one line on how you close your month today. That's all we need to start the conversation.
Copying isn't available here. Select the address above and copy it.
Open in your mail appTake the audit instead. It's useful on its own, and FOLIO will open to more households later.
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