Coming soon to the Mac App Store

Your money, quietly in focus.

Folio is an independent Mac app by Ruchit Patel for income, spending, bills, budgets, and savings goals — fully offline, with no account and no bank connection.

Explore Folio Read the privacy policy

Not yet available. Intended price $19.99, one-time purchase.

Folio Overview screen showing monthly income, spending, net cash flow, recent transactions, upcoming bills, and spending by category.

Illustrative records shown. Your workspace starts empty.

What Folio does

A calm ledger for everyday finances.

Folio keeps the essentials in one native window: what came in, what went out, what's due, and what you're saving toward. You enter transactions yourself or import them from CSV — nothing is pulled from a bank.

Your month at a glance

Income, spending, net cash flow, recent transactions, upcoming bills, and spending by category.

A ledger you control

Add income and expenses, organize custom categories, search and filter, import CSV, and export your history.

Bills and subscriptions

Track recurring bills and subscriptions and mark payments as you make them.

Budgets and goals

Set category budgets and follow progress toward savings goals.

Explore your mortgage

Compare extra-payment scenarios with estimated payoff time, interest, and amortization — without touching your transaction history.

Built for Mac

Native windows, keyboard shortcuts, custom chart periods, and themes, colors, fonts, and light or dark mode.

A closer look

Inside Folio

Bills that don't sneak up on you

See what's due and what's been paid. Recurring bills and subscriptions stay organized in one list, so the month ahead is easy to read.

Folio Bills screen listing recurring bills and subscriptions with due dates and payment status.

Budgets by category

Give each category a limit and watch spending against it as the month unfolds.

Folio Budgets screen showing category budgets with progress against each limit.

Goals worth saving for

Set a target and follow your progress toward it, one contribution at a time.

Folio Goals screen showing savings goals and progress toward each target.

Screenshots use fictional records to illustrate the app. Your workspace starts empty, ready for the records you choose to add.

Private by design

Your records stay on your Mac.

The Folio app doesn't send your financial records, settings, or usage information to us.

Works offlineNo account registration and no cloud sync.
No bank connectionEnter transactions manually or import a CSV file you choose.
No ads or analyticsNo third-party analytics or crash-reporting service in the app.
Optional screen lockTouch ID or your Mac password guards the app's screens. It doesn't encrypt the data file — use FileVault for that.

Read the full privacy policy

The details

Before you buy

Availability: Coming soon — not yet on the App Store
Intended price: $19.99 one-time · no subscription or in-app purchases
Requires: Apple silicon Mac, macOS 15 or later
Currency: US dollars only
Data entry: Manual entry or CSV import
Backups: JSON backups and CSV exports you control

Folio 1.0 does not connect to banks or sync between devices. Exported CSV and JSON files are readable plain text. Folio is provided “as is” for personal budgeting and planning. It is not official accounting software and does not replace professional accounting, tax, or financial advice. Use it at your own discretion, verify important figures independently, and keep backups of your records.