an ai money coach that keeps your spending on track
Yes - folk is an AI money coach you text. Log spending in a message (or connect your bank securely), and folk tracks your budget, tells you what you can spend, and flags overspending. Free to start.
Budgeting apps die in the data entry. Folk is a personal AI money coach that lives in your texts - tell it what you spent in plain words, or connect your bank, and it keeps your budget, tells you where you stand, warns you before you blow a category, and keeps you accountable to it. No spreadsheet, no app you stop opening.
how folk does it
log spending in a text (or connect your bank)
Say "$80 dinner" and folk logs it against your budget. Connect your bank securely and folk can categorize transactions automatically, so tracking takes zero effort.
know where you stand, anytime
Ask "how much can I spend this week?" and folk answers against your budget, by category, so you decide in the moment instead of guessing.
stay accountable
Folk flags when a category is running hot, checks in on your spending, and reminds you of the budget you set - the accountability that keeps a budget from quietly slipping. It remembers your habits, so the coaching gets more personal.
what it looks like
just spent $130 at the grocery store
Logged to Groceries - you're at $410 of your $500 budget with 11 days left (~$8/day remaining there). Still under budget for the month. Want a few cheaper dinner ideas to stay under?
yeah
On it - I'll text 3 ideas under $12 tonight and check in Sunday on where the budget landed.
frequently asked
Do I have to connect my bank account?
No. You can just text folk what you spend and it tracks it. For automatic tracking, folk connects to your bank securely through Plaid - your credentials are never shared with folk, and folk never trains on your data.
How is this different from a budgeting app?
A budgeting app makes you open it and do the work. Folk lives in your texts, logs spending in a message, answers "can I afford this?" instantly, and actively coaches you toward your goals.
Is my financial data private?
Yes. Folk runs in your own isolated sandbox, uses secure bank connections, and never trains AI models on your data. Folk Pro is $20/month, with a free tier to start.
folk can also
an ai accountability partner that keeps you on track
Tell folk your goals. It checks in, holds you to them, and won't let you quietly quit.
an ai that runs tasks on autopilot
Set it once and folk keeps going - monitoring, checking, and texting you when something changes.
an ai that remembers everything about your life
Folk builds a memory of your preferences, people, and context - and uses it to act for you.
learn the concepts
AI Concierge
An AI concierge is a personal AI that handles real-world tasks and logistics for you - reservations, travel, recommendations, and errands - like a human concierge, but always available.
Personal AI
A personal AI is an artificial-intelligence assistant dedicated to one person - it learns your preferences, remembers your context, and takes actions on your behalf across everyday life.
AI Agent
An AI agent is an AI system that takes actions to accomplish a goal - using tools, browsing the web, and completing multi-step tasks autonomously, not just generating text.