an ai that keeps you on track for a savings goal
Yes. Tell folk what you are saving for, how much, and by when, and it turns that into a weekly number, checks in on your deposits, and keeps a running total. Connect your bank read-only and it can also flag the subscriptions and impulse buys that are eating the goal.
Saving for something real (the trip, the deposit, the emergency fund) fails for the same reason habits do: nobody is watching. Folk is. Tell it "i want $1,200 for japan by march" and it does the math, tells you the weekly number, and asks every Friday whether the transfer happened. Link your bank read-only through Plaid and folk can see the deposits land, notice the $47 in delivery fees that could have been a week of savings, and help you cancel the subscription you forgot about.
how folk does it
set the goal, folk sets the pace
Text folk the amount and the date. It works out the weekly or per-paycheck number, asks when you get paid, and picks the check-in day that lands right after.
weekly check-ins and a running total
Folk asks whether the transfer happened and updates the total. Miss a week and it recalculates the pace instead of letting the goal quietly slip. Hit a milestone and it says so.
optional: connect your bank for the full picture
Link your bank read-only and folk sees the deposits automatically, spots recurring charges and price hikes, and can draft the cancellation for anything you do not use. It never moves money without you.
what it looks like
i want to save 1200 for japan by march 15. i get paid biweekly
That's 13 paychecks away, so $93 per paycheck. I'll check in the day after each one. Want me to look at what's eating your budget too?
sure
Found it: 3 streaming services you haven't opened in 40+ days, $31/mo total. Cancel those and you're at $62 per paycheck. Say the word and I'll draft the cancellations.
frequently asked
Does folk move my money?
No. Folk never moves money or makes payments. Bank access is read-only through Plaid, so it can see deposits and charges, remind you about transfers, and draft cancellations, but you press every button.
Do I have to connect my bank?
No. You can run a savings goal entirely by telling folk when you made a deposit. Connecting your bank just means folk sees it automatically and can flag the spending that gets in the way.
What does it cost?
Setting a goal and connecting your bank is free (the free plan includes 2 connected apps). Weekly check-ins and ongoing money watching are part of Pro at $9.99 a month. The savings-goal folkway unlocks 7 free days.
folk can also
an ai money coach that keeps your spending on track
Text folk what you spent - or connect your bank. It tracks it, watches your budget, and nudges you before you overspend.
an ai habit tracker that texts you instead of waiting for you
Tell folk the habit. It checks in at the right time, keeps the streak, and notices when you go quiet.
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.
learn the concepts
Accountability partner
An accountability partner is a person (or, increasingly, an AI) who knows your goal, checks in on your progress at agreed times, and makes it harder to quietly quit.
Habit streak
A habit streak is a running count of consecutive days you have done a habit. It works by turning "skip today" into "break the streak," which most people find much harder to do.
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.