India's 1st NetWorth App

Appreciate your worth

FOLO - India's 1st NetWorth App | Product Hunt
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WHAT FOLO DOES

Your entire financial life, on one screen.

Assets. Liabilities. Insurance. Connected across 500+ secure sources. No spreadsheets. No screenshots. No manual tracking. A few minutes to your full NetWorth in one place.

ASSETS

Everything you own

Bank balances, mutual funds, stocks, EPF, NPS, PPF, fixed deposits, gold, real estate.

BanksMF · CAMS+KarvyEPF / NPS / PPFStocks · ESOPsReal estateGold · SGB
LIABILITIES

Everything you owe

Credit cards, loans, and EMIs — organized so you never miss a payment.

Credit cardsHome loanAuto loanPersonal loanBNPLBills
COVER

All that protects you

Health, life, motor, and general policies organized and ready when you need them.

HealthTerm lifeMotorTravelCritical illnessHome
HOW IT WORKS

Three minutes. One Number. Your full NetWorth.

No CSVs. No screenshots. No passwords shared. Just a few taps, the Account Aggregator framework and FOLO's NetWorth APIs doing the heavy lifting.

01

Connect

Verify your number, pick your accounts, and approve consent through a SEBI & RBI-authorised Account Aggregator. Read-only. Revocable at any time.

02

Aggregate

FOLO pulls balances, holdings, EMIs, EPF, NPS from 500+ sources today, and counting. FOLO reconciles this into one true NetWorth number.

03

Appreciate

See the magic number. Watch it grow. Share a snapshot with your spouse, parent, or planner without sharing any login.

FAMILY OF LOVED ONES

What your family should see — and nothing more.

Share your NetWorth with up to 4 trusted people — spouse, parent, financial planner, CA. Toggle assets, liabilities or cover independently. Revoke at any time. No one ever sees a bank login.

Granular toggles per category
Read-only · revocable any time
End-to-end encrypted
P

Priya Pradhan

Spouse · sharing since Mar 2025

Assets
₹1,24,37,000
Liabilities
₹37,03,000
Cover
₹72,49,000
Priya will see₹1,59,83,000
Share securely
SECURITY & TRUST

Built like a bank. Owned like a personal diary.

FOLO is registered with SEBI and uses the RBI-supervised Account Aggregator framework — read-only, revocable, regulated.

SEBI Registered

Held to the same standards as your bank. Audited, regulated, accountable.

RBI's Account Aggregator

The official, way to share financial data read-only and revocable. You never share a password. We never see one.

Bank-grade encryption

Your data is locked end-to-end, AES-256 when stored, TLS 1.3 in motion. Even we can't read it.

You own it. Always.

You own it. Always. Revoke consent in one tap. Export your data, or delete it, whenever you want.

Your data is never sold.

No ads. No data brokers. We earn from FOLO's features, not from misuse of your data.

Built in India. For India.

Made in Bengaluru and Mumbai. Hosted in India. Governed by Indian law.

TRUSTED BY 1L+ FAMILIES

The number you check before bedtime.

Real stories from real families. The alternative was a excel file somewhere.

Money used to feel overwhelming. But with FOLO, I actually enjoy managing it — no stress, no confusion. It feels great to be in control of my finances.

R

Riya

28, First Jobber

FOLO has been a game-changer for me. It helps me manage all my assets and liabilities — mutual funds, bank accounts, fixed deposits, insurance, stocks, payments, credit cards, loans, and more.

A

Aditya Desai

42, CA

I wasn't too sure about using technology for finances. But FOLO is different. Its simple design and clear insights give me confidence and peace of mind about my future.

S

Suresh Mehta

56, Retired

Before, my husband and I struggled to stay on the same page about money. Now it's effortless, transparent, and secure. FOLO helps us track expenses, plan savings, and stick to our budget stress-free.

N

Neha Sharma

42, Homemaker

I was always so busy earning that I never had time to organise my finances. It felt complicated, and I'd quit before even starting. FOLO changed that. I love its real-time updates — they keep me informed at all times.

R

Rahul Verma

45, Entrepreneur

15000
Cr+
Assets Connected
500
+
Data Sources Connected
1
lac+
Downloads
4.5
Star svg icon
App Store Rating
Organise your NetWorth
Your entire NetWorth, in one place!
Assets
Assets
Consolidate all that you own. Cash, Deposits, Investments, Property and Retirement Funds to monitor them closely.
Liabilities
Liabilities
Track everything you owe. Bills, Credit Cards, Home / Auto / Personal Loans and other Debts to never miss another due date.
Insurance
Insurance
Protect your loved ones adequately. Health Insurance, Life insurance and General Insurance for a more secure future.
Share it with your loved ones
Securely share your NetWorth and financial details with family members, tax advisors, or financial planners.
Share your NetWorth
Perpetuate your NetWorth
Perpetuate your legacy
Let your NetWorth carry on (LYNC), an offline arm of FOLO - aims to perpetuate the legacy of your loved ones by ensuring their financial assets are seamlessly transmitted to the rightful heirs. With empathy and expertise, we help preserve what matters most—family, security and financial continuity.
See how LYNC can help
Calculators
Clear, quick answers for smarter financial planning and money decisions.

Where do I stand?

Your 60 sec financial health check.
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NetWorth calculator
Check your NetWorth instantly and securely.
Calculate now
cover
Insurance cover calculator
Find how much insurance cover you need to stay protected.
Calculate now
asset
Family protection calculator
See how much your family needs for complete financial security.
Calculate now

How am I doing?

Your 60 sec to see are you on track with finances.
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NetWorth growth calculator
Estimate how your wealth grows over time.
Calculate now
cover
Emergency fund check
Calculate how much emergency fund you need for life’s uncertainties.
Calculate now
asset
Retirement readiness calculator
See if you’re financially ready for retirement.
Calculate now
Finances of loved ones
FOLO's expert advice on how to manage your NetWorth better.
View all blogs
Foundations of loved ones
We think we do not have enough, because we do not know enough of how much we have. This doubt is a darkness that grows that can only be dispelled with the light of knowledge. Of all you’ve earned and all that you’ll own for those who’re your own To know it is to understand your worth where you stand and how you can leverage for you and your family. To see and share it in its full glory, Is to free yourself from worry Free to choose To champion Free to be and to become The version of yourself That your family knows you truly are And only when you know your worth Can you enhance it. Leverage it. Update it. Share it. Perpetuate it. And that’s when you will appreciate your true worth.
Read more
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Frequently asked Questions
NetWorth is the difference between what you own (assets) and what you owe (liabilities). It’s a key measure of your financial health and helps you plan for your future.
Knowing your NetWorth empowers you to take control of your finances, make informed decisions, and gain peace of mind about your financial future.
FOLO calculates your NetWorth by aggregating data on assets and liabilities. Using the formula Net Worth = Total Assets - Total Liabilities, we calculate NetWorth on best effort basis with available data.
FOLO securely connects to your bank and investment accounts via Account Aggregation APIs and direct integrations with Data Custodians as a Financial Information User (FIU) on explicit user consent. This encrypted process fetches real-time financial data, ensuring accuracy and reliability. 
Absolutely. FOLO employs end-to-end encryption, secure APIs, and multi-factor authentication, adhering to industry-best practices to ensure your financial data remains private and secure.  As a SEBI-regulated entity, we adhere to stringent regulatory standards and best practices.
FOLO supports:

Assets: Investments, stocks, mutual funds, Bank Balance, retirement funds (EPFO, NPS), and properties*

Liabilities: Loans, credit cards, and debts.

Insurance: Life, health, motor, and non-life policies. (Coming soon on FOLO)

*in Mumbai currently
No, FOLO automatically fetches data from linked accounts with your consent, eliminating manual intervention. This saves you time and reduces stress. For unsupported accounts or assets, it is work in progress...
Definitely! FOLO uses encrypted sharing methods to ensure your data remains secure and accessible only to the people you trust.
Absolutely! FOLO allows you to share access with trusted individuals, ensuring they can view your NetWorth and collaborate on financial planning. This feature fosters security and transparency for family financial matters, especially in emergencies.
You can use FOLO's sharing feature to grant access to select individuals. You decide what to share and can revoke access anytime.
You can share your data with up to 4 trusted individuals, ensuring they have access to the information they need.
Yes, FOLO lets you customise what part of your NetWorth (Asset, Liabilities, Insurance) you share, ensuring privacy for sensitive details.
FOLO syncs your data in real-time wherever possible. For some accounts, updates may depend on the financial institution’s policies.  
FOLO works on strict RBI protocols. Your data is in your control and is never shared without your explicit consent. You can always revoke your consent from Account Aggregator, once the consent expires or is revoked, your data will be completely erased.
FOLO securely connects to your bank and investment accounts via Account Aggregation APIs and direct integrations as a Financial Information User (FIU). This encrypted process fetches real-time financial data, ensuring accuracy and reliability.
Yes, FOLO  also uses Account Aggregators to securely access and update your financial data like Bank/Investments while ensuring compliance with RBI regulations.
An Account Aggregator (AA) is an RBI-authorized platform that securely fetches your financial data from various institutions (FIPs) and shares it with authorized entities (FIUs) only with your explicit consent.
This could be because the bank is not linked to your mobile number. Other known challenges are with joint accounts not showing up or the bank is not yet live on the Account Aggregator.
You can revoke your consent from account aggregator anytime. Once revoked your data will stop updating.
No, FOLO is free for all its users. Our goal is to make financial tools that help you appreciate your NetWorth.
FOLO supports retirals, investments, insurances, deposits, savings and current accounts. Joint accounts are currently not supported.
Once your consent expires, FOLO can no longer refresh your data, which may impact real-time updates of your NetWorth. You can easily renew your consent in the app to continue syncing your accounts.
Absolutely! You can revoke your consent anytime directly through the app or the Account Aggregator platform, stopping FOLO from accessing your financial data specific to AA.
LYNC, the offline arm of FOLO, helps individuals ensure a seamless and frictionless transfer of their NetWorth to their loved ones. It provides personalized, hands-on assistance during the asset transmission process, guiding families through asset discovery, nomination and documentation process.
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