The decision engine for your money
Stop tracking.Start deciding.
Ask a money question. OneFolio reads your accounts and answers to the cent, with the math shown.
What are you deciding?
Can I afford a $48k Tesla on a 5-year loan?
- Read 6 accounts
- Projected the next 6 months
- Checked your savings target
Verdict
Slow down.
$890.00 a month. 3 of 6 months in the red.
Sample data. Illustrative example.
How it works
Connect once
Link your accounts through a secure, read-only connection, so OneFolio cannot move your money.
ConnectedRead-onlyAsk anything
Ask the way you would ask a friend who is good with money. Plain words, real stakes.
Ask OneFolio6 accountsCan I afford a $48k Tesla on a 5-year loan?
- Read 6 accounts
- Projected the next 6 months
- Checked your savings target
Verdict
Slow down.
$890.00 a month. 3 of 6 months in the red.
A 7-year term still leaves 1 month in the red and costs $3,720.00 more in interest. A $35,000.00 vehicle keeps you above your savings target.
Sample data. Illustrative example.
Decide
Get a verdict, the math behind it, and what changes if you act.
VerdictNext 6 monthsVerdict
Slow down.
$890.00 a month. 3 of 6 months in the red.
A 7-year term still leaves 1 month in the red and costs $3,720.00 more in interest. A $35,000.00 vehicle keeps you above your savings target.
Sample data. Illustrative example.
Inside OneFolio
See it, understand it,act on it.
Every account in one frame
01Visibility
Cash, cards, brokerages, mortgages, student loans, and manual debts are pulled once and updated automatically.
AI grounded in your real numbers
02Intelligence
Your real income. Your real debt. Your real safety net. Then the AI.
0Money IQ 27 out of 100
Money IQ
Plans you can actually keep
03Action
Budgets, payoff plans, goals, and a gamified streak system that rewards the boring habits that compound.
- Emergency fund68%
- Card payoff41%
- House fund23%
12-week streak
Sample data. Illustrative example.
See it work
Watch aone-minute demo.
Sample data. The phone app shown is not available yet.
What we believe
The picture, the math,the answer.
- 01
A tool should take a position
The verdict engine commits: what to do this week, what it costs, what it changes.
- 02
Reasoning you can audit
Every verdict shows its work: the accounts it read, the math it ran, the assumption it made.
- 03
You should be able to leave
Import your history from the app you have outgrown. Download your transactions, accounts, budgets and goals any time.
- 04
Your money data is not a product
Never sold, rented, or handed to advertisers. Bank connections are read-only.
Common questions
Visit helpOneFolio never stores your bank login credentials. We connect through Plaid, which many financial apps use, and bank access is read-only. Your data is encrypted in transit and at rest, and your bank access tokens are encrypted with AES-256. Row-level security and per-user checks keep your data separated from other users’. Only a small number of authorized OneFolio staff can reach production data, for support and security.
It depends on your plan. Essential and Core connect as many checking, savings and credit card accounts as you like from most US banks and credit unions, through Plaid. Folio connects one bank: a new bank link works only while you have no accounts in OneFolio, and an account imported from a CSV file counts, so link your bank before you import. On any plan you can also upload CSV statements for banks Plaid does not support.
OneFolio uses a multi-layered approach: first checking your custom rules, then merchant mapping databases, then bank-supplied categories, and finally keyword-based matching. Every auto-categorization shows a confidence score, and you can override any category. OneFolio learns from your corrections over time.
OneFolio analyzes your transaction history to find recurring charges from the same merchant. If we see 2 or more charges at regular intervals (weekly, monthly, quarterly, or annual) with consistent amounts, we flag it as a subscription and estimate the next charge date.
Budgets are tracked per category on a monthly cycle. OneFolio sums all transactions in that category for the current month, excluding transfers and hidden transactions, and compares the total against your set limit. You see real-time progress bars and get alerts as you approach or exceed your budget.
Money health is a score from 0 to 100 built from your bank data alone, in three parts. Cash flow (40 points): keeping more than you spend over the last six full months, paying bills without overdraft, returned-payment or late fees over the last 12 months, and having the next 30 days covered. Cushion (35 points): how many months of spending you hold in cash, and whether that cushion is growing. Debt (25 points): debt payments against income, and card balances against their limits. A check without enough data is not scored and the others are rescaled, and a number appears once cash flow, bills and cushion can be measured and there are 90 days of history. Budgets, goals and quizzes never change it. It is worked out every night and published once a week, on Monday in your time zone or on the first night your score is ready, and every check shows the fact behind it and the one move that raises it.