Other apps show you where your money went. OneFolio tells you what to do with it next, grounded in your real numbers, in under a minute.
$15/mo · Cancel anytime · Bank-grade security
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The decision engine
Ask anything. Get an answer in under a minute.
“Should I buy this?” “Pay debt or invest?” “Can I afford this trip?”. The answer, the math, and what changes if you do it. Grounded in your actual accounts, not a generic checklist.
Can I afford a $48k Tesla on a 5-year loan?
You can technically afford it, but the $890/mo payment pushes your discretionary spend into the red on three of the last six months. A 7-year term or a $35k vehicle keeps you comfortably above your savings target.
Adds $890/mo on top of your current $1,420 fixed obligations. 38% of monthly income.
Cuts your safety net from 5.4 months to 3.1 months.
No effect on your debt payoff plan. Credit card debt still clears in 14 months.
One engine, four voices
Pick the voice that matches how you like to hear it.
Same numbers underneath. Same verdicts. Different tone. Switch any time in settings.
Sam
The Generalist
The standard voice: neutral, grounded, and direct. Reads your real numbers and hands you the verdict without spin. The one you start with.
“Can I afford a $3k trip?”
Sound. $3k is 0.7 months of runway; you keep a 5-month buffer.
Switching is easy
Bring your whole history in about six minutes.
Leaving Mint, Monarch, Copilot, or another app? Keep every transaction. Export a CSV, drop it in, and OneFolio does the rest. No re-categorizing, no starting from zero.
- Step 1
Export and drop your CSV
Download your transaction history from your old app and drag the file in, up to 50 MB. We show you exactly where to find the export for each app.
- Step 2
We detect the source
OneFolio recognizes the format automatically (Mint, Monarch, Copilot, Rocket Money, YNAB, Origin, Tiller, or any bank CSV) and maps every column for you.
- Step 3
Preview before anything imports
See the transaction count, a sample of your rows, and the category mapping before you commit. Nothing lands in your account until you say go.
- Step 4
Import, clean and deduplicated
Your history comes over categorized and deduplicated, ready for the agent to reason about on day one. The whole thing takes about six minutes.
Read-only import · You preview everything · Delete anytime
Our approach
Three layers, one platform.
Every account in one frame
Cash, cards, brokerages, mortgages, student loans, and manual debts are pulled once and updated automatically.
Connected to every bank you use
We connect to over 12,000 banks and credit cards. New transactions show up in seconds. You don’t have to update anything.
See where you really stand
Cash plus investments minus debt, in one number that updates itself. The number that tells you if you’re moving forward or falling behind.
One clean dashboard
Cards, debt, investing, accounts, transactions. Each in its own clean space, not an over-stimulating wall of numbers.
Our conviction
Tracking is the easy part.Deciding is the hard part.No app helps with the hard part.
We’re fixing that. Ask anything. “Should I buy this?”, “Pay debt or invest?”, “Can I afford this trip?” Get an answer grounded in your actual numbers.
How we compare
Five things our competitors won’t do.
They round. We don’t.
OneFolio
Avalanche / snowball math correct to the cent.
- Same scenario → 30 months, $1,440 interest, exactly
- Deterministic, unit-tested, reproducible
- Math shown behind every claim
Our competitors
Round payoff projections to "about 2 years."
- $4,500 @ 24.49% APR → "about 2 years"
- Average-balance approximations drift 5 to 15%
- No formula shown, nothing to audit
Why OneFolio
The picture, the math, the answer.
Connected and encrypted
Connects to every bank you use. Encrypted at rest, never sold, revocable in one click.
Honest math
Server-computed payoff plans, weighted APR, real numbers. We show the work. No black boxes.
Private by default
Your data is yours. No advertising network, no broker reselling, no third-party share you didn’t ask for.
On every device you use
Check in on your phone in the morning. Dive deep on your laptop on Sunday. Same data, same numbers, wherever you are.
AI that knows you
Every answer is grounded in your actual income, debt, and safety net. Not a generic prompt template.
Built to last
No surprise pricing changes, no model collapse, no dark patterns. The same product the day you signed up.
By the numbers
Three things change in 90 days.
0%
Average lift in monthly savings rate after 90 days
Among users who connected ≥3 accounts in week 1
$0
Median annual interest avoided via the recommended payoff plan
Compared to minimum-payment baseline
0.0 hr
Time saved per month vs juggling 4+ apps
Self-reported, post-90-day cohort survey
Internal cohort data, updated quarterly. Past performance is not indicative of future results.
Users who stay
People who connect don’t leave.
91%
connect a second account in week 1
78%
still actively using OneFolio at 90 days
vs. about 22% retention for Mint at the same checkpoint.
64%
upgrade from Starter within 60 days
Internal cohort data, refreshed quarterly. Reflects users who connected at least one account in onboarding.
Ready when you are
The next financial decision shouldn’t be a guess.
Connect once. Ask anything. Decide with the math behind you.