Folk watches your money the way a sharp friend would: it notices the junk fee, remembers the free trial you forgot, and actually writes the email to get your money back.

link your bank

connect your bank once and Folk can see balances and transactions (read-only, through Plaid - Folk never touches your login).

link my bank

Folk sends you a secure one-tap page. after that, plain questions just work:

how much did I spend on eating out this month?

when is my credit card due, and what's the APR?

what did I buy at target last week?

the subscription audit

the crowd favorite. Folk combs your transactions for recurring charges and lays them all out - including the ones you forgot existed.

audit my subscriptions

you get the full list with amounts, and Folk flags anything that looks duplicated, dormant, or quietly price-hiked.

Folk fights for it

when Folk finds a junk fee, a double charge, a short refund, or interest you could get waived, it doesn't just tell you - it offers to fight:

• Folk drafts the dispute, waiver request, or price-adjustment email
• you approve it before anything is sent
• Folk tracks the outcome and tells you what you got back

budgets & watch rules

set caps and rules in plain language, and Folk pings you the moment something crosses the line:

cap my food delivery at $200 a month

roast me every time I order doordash

budgets, watch rules, and instant alerts are part of the paid plans - see plans.

is this safe?

• bank access is read-only, through Plaid. Folk can't move your money.
• every outbound fight email is draft-first - nothing sends without your ok.
• unlink any time from your dashboard.