an ai that finds the subscriptions you forgot and cancels them with you
Yes. Link your bank read-only and folk reads your recurring charges, flags the ones you have not used in weeks, and drafts the cancellation and refund email. It sends from your own Gmail once you say send. folk never cancels anything on its own.
Subscription businesses count on one thing: you forgetting. The free trial rolls over, the price creeps up, and the $12 a month keeps leaving because cancelling takes 20 minutes you never have. folk is the friend in your texts that does have 20 minutes. It sees every recurring charge in your bank, notices the ones you stopped opening, tells you what they add up to, and writes the cancel email with the refund ask already in it. You say send.
how folk does it
link your bank, read-only
The connection runs through Plaid on your bank's own login page. folk can see transactions and balances and nothing else; it cannot move a cent. Or skip the bank and just ask "what am i still paying for" once folk can see your inbox.
folk finds the leaks
It groups the recurring charges, totals the monthly burn, and flags the ones that have gone quiet: no login, no email from them, no use. "11 active, $146 a month. headspace and adobe untouched for 90 days" is the kind of text you get.
say cancel, folk writes it
folk drafts the cancellation with the refund request for the unused period, addressed to the merchant's support. If you already told it to cancel that one, that counts as the yes and it goes out from your Gmail in the same turn. Then it watches your bank for the refund to land.
what it looks like
what subscriptions am i still paying for
11 active, $146/mo. you haven't opened canva in 47 days and it went up to $25 last month. headspace untouched since june.
cancel both
both cancel emails sent from your gmail, with a refund ask for the unused month on canva. i'll text you when the money lands.
frequently asked
Does folk cancel the subscription itself?
folk writes the cancellation email and sends it from your own Gmail after you say send. It does not log into merchant accounts or cancel anything without you, so nothing disappears by surprise.
How does folk know I stopped using something?
It looks at the recurring charge next to signals like how long since the merchant last emailed you and whether you have mentioned it. Then it asks. You always confirm before anything is sent.
Is this free?
Starting a cancellation is free on every plan, and a bank counts as one of the two apps you can connect for free. Always-on watching, so folk texts you before the next renewal without being asked, is part of Pro at $9.99 a month.
folk can also
an ai that catches double charges and writes the dispute
same merchant, same amount, same day. folk flags it with both dates and drafts the dispute before you'd have noticed.
an ai that gets your bank fees refunded
overdraft, maintenance, and late fees are usually waived if you ask. folk spots the fee and drafts the ask.
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.
learn the concepts
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.
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.
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.