Yes. Foliom is free to track your spending, subscriptions and net worth from your inbox. Pro (₹499/mo) adds full 12-month history, nightly auto-sync and the AI money agent.

How does Foliom track my spending and net worth?

It reads the bank, UPI, card and SIP emails you already get (read-only) and extracts every transaction automatically. For net worth it reads your CAS statement from CDSL/NSDL/CAMS/KFintech.

Is it safe to connect my email to Foliom?

Access is read-only, your email body is never stored, and sensitive IDs like PAN and demat numbers are encrypted with per-user keys. Delete your account and your data is erased.

Does Foliom work with Indian banks and UPI?

Yes. Foliom is built India-first for Indian banks, UPI apps, credit cards, and mutual fund / demat CAS statements.

FOLIOM

Your money,
finally watched.

Foliom is the financial agent that runs in the background of your life. It reads your inbox — HDFC, Zerodha, Razorpay, Stripe, Robinhood — and turns receipts, CAS statements, salary credits, and SIP confirmations into one net-worth picture. It tells you only what matters.

Bank-grade encryption. Read-only access. We never sell your data.

Reads your inbox — bank alerts, card & CAS statements, salary, SIPs
Catches every subscription, free-trial trap, and silent price hike
Rebuilds your net worth from statements you add — revalued daily
Answers hard money questions in your real numbers

Foliom · Home

Synced 14s ago

Net worth

₹0

+₹0 this month30d

Live nudges1 / 3

OpportunityNOW

You’re bleeding ₹4,200/mo on subscriptions you forgot about.

Hotstar Premium (opened once in 90 days), Notion team (3 empty seats), a Substack from your ex. Cancel all three: ₹50,400 a year back. Foliom drafted the cancellation links.

DecisionNOW

Bali in October — you can swing it without touching savings.

₹1.84L for flights + Airbnb fits inside your travel envelope if you skip the resort upgrade. Your ₹6.8L emergency fund stays untouched. Want Foliom to lock dates and watch fares on Skyscanner?

AlertNOW

Swiggy hit ₹7,400 last week — 2.4× your normal.

11 orders, mostly post-10pm. At this pace it’s ₹38,400 a year. Not judging — just flagging. Want Foliom to nudge you next time you open the app after midnight?

THE WEDGE

Cancel what you
forgot you’re paying.

Foliom reads the receipts already in your inbox — HDFC, Swiggy, Hotstar, Stripe — finds the recurring charges quietly draining you, and drafts the cancel email so you just hit send. No bank login, ever.

Foliom · Inbox

Scanned 8s ago

Recurring charges caught · 3

₹49,404/yr

quietly leaving your accounts. Drafting the cancellations now.

Hotstar Premium

Last opened 94 days ago

₹1,499/mo

Notion · Team

3 seats idle since February

₹1,899/mo

Spotify Premium

Not played in 71 days

₹719/mo

0 of 3 drafted

₹0/yr back

Free-trial traps

Flagged before they auto-renew — cancel while it's still free.

e.g. an Audible trial, caught on day 27

Silent price hikes

You'll know the month a subscription quietly goes up.

e.g. Netflix · ₹499 → ₹649

Overlaps

Two music apps, two cloud drives? Foliom spots the doubles.

e.g. Spotify + YouTube Music

THE BRAIN

Generic apps forget you.
Foliom remembers.

Most money apps reset every time you open them. Foliom keeps a transparent memory of how your money actually works — and reasons over it. It remembers your corrections, proposes consolidations, admits what it’s unsure about, and lets you read, edit, or export every line.

What Foliom knows7 entries

Export MD · JSON

INCOMESalary — Meridian Design Studio₹2,38,400/mo · confirmed Apr 24

SUBHotstar Premium₹1,499/mo · since Jan ’24

RULERoute 17% of every salary to SIPsset by you · Mar 12

VENDORSwiggy → Food & Dininglearned from 38 receipts

INVESTParag Parikh Flexi Cap SIP₹40,000/mo · 3rd of month

TRANSFER₹25,000 → Mom, every monthtagged Family · recurring

NOTEEmergency fund target ₹6.8L≈ 4 months of runway

PROPOSAL

You’ve been tagging Blinkit as groceries. Should Foliom treat it that way going forward?

Foliom needs your input

NEFT

NEFT — ANANYA S

Apr 26 · Foliom isn’t sure what this is.

₹4,800

Classify

You can read, edit, or delete any line — and export the whole memory whenever you like.

WEALTH

Your whole net worth,
current without lifting a finger.

Assembled from the statements you already receive — not from handing over bank passwords. Foliom reads the CAS your depository emails you, parses the documents you upload, and revalues everything at the day’s live prices.

Net worth

₹1.84 Cr

Live · revalued daily at NAV +₹4.12L this month

6 classes

Mutual funds34%₹62.7L

Stocks & ETFs19%₹35.0L

Retirement · EPF · PPF17%₹31.3L

Real estate21%₹38.7L

Gold · SGB6%₹11.1L

Cash3%₹5.5L

No bank login. Foliom reads the CAS your depository already emails you, or a statement you upload, and keeps the value current.

Mutual funds

CAMS CAS

Emailed to you monthly, or upload a statement — parsed automatically.

CDSL

Stocks & ETFs

CDSL demat CAS

Your depository’s consolidated statement, read straight from your inbox.

Manual holdings

Gold · FDs · property

Added by hand, revalued daily from live price feeds.

Holdings · sampleUpdated 6m ago

Parag Parikh Flexi Cap

Direct · Growth · CAMS

1,284.51 units

₹9,84,200

+0.62%

Mirae Asset Large Cap

Direct · Growth · CAMS

4,102.10 units

₹4,21,600

+0.41%

ICICI Pru Nifty 50 ETF

NSE · NIFTYBEES · CDSL

820 units

₹2,18,400

-0.18%

SGB

Sovereign Gold Bond 2031

Series II · 2.5% p.a. · Manual

120 g

₹7,86,000

+1.04%

FOUR PILLARS

Sync. Watch. Nudge. Decide.

The whole product runs on four loops. Each one is the floor for the next.

Sync

Every account, every asset, in one place.

Foliom reads the statements, receipts, and alerts your banks, cards, brokers, and funds already email you — plus the CAS your depository sends and anything you add by hand. Every source reconciled into one living net worth. Read-only Gmail, encrypted, revocable in a tap.

HDFC BankLIVE

ZerodhaLIVE

VisaLIVE

NPSLIVE

Watch

Continuous, quiet, vigilant.

Foliom runs continuously in the background. It spots anomalies, flags duplicate charges, catches wasted subscriptions, and watches for the moments when something needs your attention.

24H · ALL QUIET1 ANOMALY

Nudge

Interrupts you only when it matters.

You won't get a notification because your bank balance changed. You'll get one because Foliom caught a wrong charge, found ₹28,000 in unused subscriptions, or saved you from a costly decision. Quiet by default. Loud when it counts.

₹4,499 charged twice by WithoneNOW

Salary in — split routed11:03

Decide

A senior advisor in your pocket, always.

Should you finance the car or pay cash? Switch funds? Prepay your mortgage or invest? Foliom reasons over your real numbers — not generic advice — and gives you a real recommendation, with the math.

“Prepay or invest?”

PrepayInvest +₹18.4L

A DAY WITH FOLIOM

One Tuesday. Five quiet interruptions. Each one earned.

8:14 AM

Bajaj Finserv EMI auto-debits ₹14,800 on Friday — your HDFC balance will dip below ₹5,000.

Cover it from your liquid fund, pay it off now and skip the next instalment, or let it ride. Either way, set it before Thursday so the auto-debit doesn't bounce and trigger a ₹500 penalty.

Pay it off nowMove from liquid fundLet it ride

11:03 AM

Salary credited — ₹2,38,400 after TDS.

Per the rule you set, Foliom is routing ₹40,000 to your Parag Parikh Flexi Cap SIP, ₹25,000 to PPF, and leaving ₹1,73,400 in spending. Confirm or tweak?

ConfirmTweak this month

2:47 PM

“Can I quit and freelance for 6 months?”

Foliom runs your real burn (₹3.2L/mo), your runway (₹22L liquid across savings + liquid funds), expected freelance gross (₹5.4L/mo blended across international Stripe payouts + domestic clients at your last 3 contract rates), and your advance tax obligation. Answer: Yes — with a 4-month cushion if your first invoice clears in 30 days. Need to land your first gig before week 8.

Show full reasoningSave this analysis

6:21 PM

Goa weekend + Bali flights = your full Q4 travel envelope.

Booking both leaves zero buffer for the December trip to see your parents. Want Foliom to nudge your friends about splitting the Airbnb, or pick one?

Nudge the group chatPick oneI'll cover it

SUN 9:00 AM

Your week in three lines.

Net worth +₹94,200. Swiggy spend back to baseline. The Hotstar Premium you cancelled saved you ₹1,499 already this month. 3-minute read.

Open digest

8:14 AM

Annual fee drag on a ₹25L portfolio — current vs alternatives

ABSL Frontline Equity (current)

₹46,000/yr

Parag Parikh Flexi Cap

₹16,500/yr

Nippon India Nifty 50 Index

₹4,500/yr

UTI Nifty 50 Index

₹4,000/yr

11:03 AM

Salary in+₹2,38,400

SIP ₹40,000PPF ₹25,000Spending ₹1.73L

2:47 PM

5-year projected net worth

Stay salaried +₹1.2 CrGo freelance +₹1.8 Cr

WHAT FOLIOM READS

It already knows the whole Indian money stack.

Foliom reads the statements, receipts and alerts these names already email you — plus the CAS your depository sends and anything you upload or add by hand. No bank passwords, no screen-scraping.

BANKS

HDFC BankICICI BankSBIAxis BankKotakIndusIndChaseBank of AmericaWells FargoCitiHSBCBarclays

BROKERS & INVESTMENTS

ZerodhaGrowwUpstoxICICI DirectHDFC SecuritiesVanguardFidelitySchwabRobinhoodWealthfront

MUTUAL FUNDS & AMCS

CAMSKFintechZerodha CoinET MoneyBlackRockT. Rowe Price

CARDS

RuPayVisaMastercardAmerican ExpressDiners ClubDiscover

RETIREMENT

EPFNPSPPF40401(k)IRIRAISISA

Foliom works from your inbox and the documents you add — read-only Gmail access, the CAS your depository emails you, and statements you upload. No bank passwords, no screen-scraping, nothing that can move money. Revoke Gmail in one tap.

For anything that isn’t in an email — physical gold, real estate, private holdings, foreign accounts — add it once. Daily price feeds keep your full net worth current.

THE DECISION AGENT

The questions you’ve been carrying.

Foliom takes the questions you’ve been Googling for years and gives you an answer with the math, in your numbers.

“Can I quit my job and freelance for 6 months?”

Yes — with breathing room. Your real burn is ₹3.2L/mo and you have ₹22Lliquid across savings + liquid funds. At your last three contract rates that’s ₹5.4L/mo gross. Land your first gig by week 8 and you clear it with a 4-month cushion plus your advance-tax obligation covered.

“Am I bleeding money on AI tools and SaaS subs?”

Yes. ₹18,200/mo across 9 active tools. ChatGPT Plus and Cursor are load-bearing — you used them 38 days last month. The other seven (Notion team, Adobe CC, Linear, Figma personal, two Substacks, Spotify duo) you touched twice. Trim the seven: ₹1.3L/yr back.

“Goa weekend + Bali flights + new MacBook — what’s the damage?”

Doable, with one swap. All three lands at ₹4.8L against your ₹3.4L Q3 discretionary cap. Skip the resort upgrade in Bali (₹68,000), EMI the MacBook over 12 mo at no-cost EMI on your HDFC card, and Goa stays a yes. Emergency fund untouched.

A QUIET WORD FROM THE FOUNDER

I’m building Foliom because every tool I tried left me with the same feeling: I’d opened five apps to look at my money and still didn’t know what was actually happening with it.

A bank app, a credit card app, a brokerage app, a retirement portal, a spreadsheet I never updated. Each shows a slice. None of them tells the truth.

So I built the agent I wanted. It sees everything. It works while I sleep. It surfaces only what matters. The rest of the time, it stays quiet — which, honestly, is the part I love the most.

If that’s the agent you’ve been looking for too — sign up, let Foliom show you your last twelve months, and decide for yourself.

— Krish Parekh, founder

PRICING

Three plans. 14-day trial on Pro.

Free

Free, forever. See where your money is — once.

₹0

No card required

1 Gmail connection
90 days of transaction history
Tax view — last 90 days, preview only
Unlimited CAS pulls (MFs + demat)
Up to 5 manual holdings
Net worth dashboard with stale-data labels
3 open nudges at a time
5 'find cheaper' price lookups / month
10 Foliom chat queries / 30 days
Brain — view your 5 most recent memory entries

Start with Free

The vault is the product.

Read-only, always.

Foliom can see your accounts. It can never move money. The architecture makes it impossible — even by accident.

Encrypted, end-to-end.

Your financial data is encrypted at rest and in transit. Keys are per-account, isolated, rotatable. Even Foliom's engineers cannot read your raw statements.

Yours, forever.

Export everything Foliom knows about you, anytime, in plain CSV / JSON. Delete your account and we delete your data, completely, within 24 hours. No retention. No “anonymized analytics.” No exceptions.

SOC 2in progress

DPDPAcompliant

ISO 27001in progress

GDPRcompliant

FAQ

Eight quiet answers.

For the rest, write to hello@foliom.app. A human reads every message.

No. Foliom is read-only by design. The architecture guarantees it — Foliom holds no credentials capable of initiating a transfer, full stop.

Free, forever — for one Gmail and 90 days of history. Pro is ₹499/mo (₹3,999/yr — 33% off) with a 14-day free trial. Family is ₹999/mo (₹7,999/yr) and lets up to 5 family members share one subscription. Cancel anytime in one click, no retention call.

India today — billing live via Razorpay (UPI Autopay, cards, netbanking). Foliom reads Indian inboxes (HDFC, ICICI, Zerodha, Razorpay, CAS statements) and global inboxes (Stripe, PayPal, Robinhood, SaaS receipts) in the same dashboard. USD / GBP / AED billing rolls out next, region by region, as the regulatory rails meet our bar for read-only consent and revocation.

Encrypted at rest and in transit, with per-account keys. Never sold. Read-only access. Delete anytime, with full data erasure within 24 hours.

Not the filing itself — but Foliom now has a Tax & expenses view (Pro). It auto-tags deductible business expenses, totals them by category, surfaces your advance-tax and ITR deadlines, and exports a CA-ready pack — so filing becomes handing your accountant a clean CSV instead of a shoebox of receipts. Full ITR auto-filing is still on the roadmap.

They work like any Indian account — the same Gmail extractor reads Stripe, Robinhood, Vanguard, HSBC, Chase, etc. Foliom converts every amount to INR (your home currency) using ECB reference rates at transaction date, so net worth and spend totals show one consistent number. Cross-border tax modelling is not in V1.

Yes — Pro supports 2 family members, Family supports 5. Link your spouse, parents, kids. Permissions are granular: see-everything, see-summary, or see-nothing. Each member can mark individual accounts as private from the household view.

Foliom's recommendations are advisory and always show the math behind them. You stay in the driver's seat. Disagree once, and the agent learns to weight that signal lower.

Your money,finally watched.

Cancel what youforgot you’re paying.

Generic apps forget you.Foliom remembers.

Your whole net worth,current without lifting a finger.