Who we are
We got tired of apps that hand you a chartand call it advice.
Every money app on the market is very good at telling you what already happened. Almost none of them will tell you what to do about it. OneFolio was built to answer the second question.
Other apps
What happened. The rest is up to you.
Sample data. Illustrative example.
OneFolio
Can I afford a $48k Tesla on a 5-year loan?
Every answer shows the math. Illustrative example.
What we believe
Four things wewill not trade away.
- 01
A tool should take a position
Showing you six charts and letting you infer the answer is not neutrality, it is abdication. The verdict engine commits: what to do this week, what it costs, what it changes. You can disagree with it. You cannot accuse it of hiding.
- 02
Reasoning you can audit
Every verdict shows its work: the accounts it read, the math it ran, the assumption it made. If the reasoning is wrong you should be able to see exactly where, not just feel that something is off.
- 03
You should be able to leave
We import your history from Monarch, Copilot, Rocket Money, YNAB, Origin, Tiller and saved Mint files, because being stuck in a tool you have outgrown is a bad reason to stay. The same door opens outward. Download your transactions, accounts, budgets and goals any time.
- 04
Your money data is not a product
We do not sell it, rent it, or hand it to advertisers or data brokers, and that includes aggregated and de-identified data. There are no ads in OneFolio. Bank connections are read-only, so the product cannot move your money by design.
I had accounts spread across five institutions and three apps, and I still could not answer a simple question: can I afford this?
Every tool gave me the same thing. A dashboard, some categories, a monthly summary. All of them described my money accurately. None of them told me what to do. I would sit down to figure out whether to pay down a card or put it in savings, and I would end up doing the arithmetic myself in a spreadsheet, next to an app I was paying for.
OneFolio is what I wanted to exist. It reads the same accounts every other app reads, and then it does the part they leave to you. It decides, it shows the math, and it tells you what changes if you act.
It will not be right about everything. But it will always tell you why it thinks what it thinks, and you will always be able to check.
Independent
No outside money telling uswhat to build.
OneFolio is small and self-funded. That means we answer to the people paying for it, and to no one else.