Got a Raise? Here's the 50% Rule
Every increment quietly tempts you to upgrade your life to match it — new phone, bigger rent, more weekend spends. The 50% rule keeps half of that raise working for your future, no matter how good the hike feels.
You get an increment, feel amazing, and within weeks your expenses have quietly caught up — new gadget, bigger rent, more Swiggy orders.
Say your salary goes from ₹50,000 to ₹58,000 a month — that's an ₹8,000 jump. Most people spend all of it without noticing.
The 50% rule: split every hike right down the middle — ₹4,000 to enjoy, ₹4,000 to your future.
A raise is a chance to build, not just to upgrade — protect half of it on autopilot.
Grow with clarity 🌱
Assets. Liabilities. Insurance. Connected across 650+ secure sources. No spreadsheets. No screenshots. No manual tracking. A few minutes to your full NetWorth in one place.
Bank balances, mutual funds, stocks, EPF, NPS, PPF, fixed deposits, gold, real estate.
Credit cards, loans, and EMIs — organized so you never miss a payment.
Health, life, motor, and general policies organized and ready when you need them.
No CSVs. No screenshots. No passwords shared.
Just a few taps, the Account Aggregator framework and FOLO's NetWorth APIs doing the heavy lifting.
Verify your number, pick your accounts, and approve consent through a SEBI & RBI-authorised Account Aggregator. Read-only. Revocable at any time.
FOLO pulls balances, holdings, EMIs, EPF, NPS from 650+ sources today, and counting. FOLO reconciles this into one true NetWorth number.
See the magic number. Watch it grow. Share a snapshot with your spouse, parent, or planner without sharing any login.
FOLO is registered with SEBI and uses the RBI-supervised Account Aggregator framework — read-only, revocable, regulated.
Held to the same standards as your bank. Audited, regulated, accountable.
The official, way to share financial data read-only and revocable. You never share a password. We never see one.
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. Revoke consent in one tap. Export your data, or delete it, whenever you want.
No ads. No data brokers. We earn from FOLO's features, not from misuse of your data.
Made in Bengaluru and Mumbai. Hosted in India. Governed by Indian law.
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.
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.
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.
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 effortlessly.
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.
Rahul Verma
45, Entrepreneur
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A secure, paperless journey where your data stays private and wealth stays in your control.
