India's 1st NetWorth App

Appreciate your worth

Fortress of loved ones

SEBI Registered Entity

Startup India Recognised

AES-256 bit Encryption

SSL Security

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.

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Your entire NetWorth, in one place!

Assets

Consolidate all that you own. Cash, Deposits, Investments, Property and Retirement Funds to monitor them closely.

Liabilities

Track everything you owe. Bills, Credit Cards, Home / Auto / Personal Loans and other Debts to never miss another due date.

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.

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.

Finances of loved ones

FOLO's expert advice on how to manage your NetWorth better.

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May 21, 2025

The “Financial Folder” Fallacy: Why Google Drives & Excel Sheets Aren’t Enough

Excel works—until it doesn’t. FOLO automates your money map, so you stop updating sheets and start seeing your wealth in real-time.

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May 14, 2025

The Clutter Tax: Why Financial Disorganisation Costs More Than You Think

Forgotten fees. Duplicate insurances. Idle money. FOLO clears the clutter and shows you what’s silently draining your wealth.

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May 7, 2025

Scattered, Not Broke: The Quiet Anxiety of Indian Finances

You’re not bad with money—you just haven’t seen it clearly. FOLO lifts the fog, showing your full financial picture, in one clean view.

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Faith of loved ones

FOLO wouldn’t be FOLO without its users, our family. See what they have to say.

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

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 stress-free.

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

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

Frequently asked Questions

what is NetWorth?

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.

why is knowing my NetWorth important?

Knowing your NetWorth empowers you to take control of your finances, make informed decisions, and gain peace of mind about your financial future.

how is my NetWorth calculated on FOLO?

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.

how does FOLO fetch financial 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.

is my data safe with FOLO?

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.

what types of data can I organise in FOLO?

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

do I have to manually input data into FOLO?

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...

is it safe to share my financial data through FOLO?

Definitely! FOLO uses encrypted sharing methods to ensure your data remains secure and accessible only to the people you trust.

can I share my NetWorth with others?

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.

how do I share my NetWorth on FOLO?

You can use FOLO's sharing feature to grant access to select individuals. You decide what to share and can revoke access anytime.

how many people can I share my NetWorth data with?

You can share your data with up to 4 trusted individuals, ensuring they have access to the information they need.

can shared access be limited to specific information?

Yes, FOLO lets you customise what part of your NetWorth (Asset, Liabilities, Insurance) you share, ensuring privacy for sensitive details.

how often does FOLO sync my data?

FOLO syncs your data in real-time wherever possible. For some accounts, updates may depend on the financial institution’s policies.

will my data be shared with anyone else?

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.

how does FOLO work?

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.

does FOLO use an Account Aggregator for data access?

Yes, FOLO also uses Account Aggregators to securely access and update your financial data like Bank/Investments while ensuring compliance with RBI regulations.

what is an Account Aggregator (AA)?

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.

why can’t I find my account on FOLO?

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.

how can I remove my account from FOLO?

You can revoke your consent from account aggregator anytime. Once revoked your data will stop updating.

will I be charged for using FOLO?

No, FOLO is free for all its users. Our goal is to make financial tools that help you appreciate your NetWorth.

which account types are supported on FOLO?

FOLO supports retirals, investments, insurances, deposits, savings and current accounts. Joint accounts are currently not supported.

what happens when my consent expires?

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.

can I revoke my consent for data access ?

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.

does FOLO help in the transfer of my NetWorth to my family during an unfortunate event?

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.