Pricing
New annual plans start with a 14-day free trial. No charge until it ends, and nothing to pay if you cancel before then.
Annual saves up to 28 percent.
Caps at 1 bank
Caps at 40 questions
Covers everything you set
Folio AI on your money: one bank, one decision engine.
$6.58/mo
Billed annually at $79.00 a year. Saves $29.00.
No charge for 14 days. Then $79.00 a year, charged when the trial ends, and renews automatically until canceled. Cancel before day 14 and you pay nothing. Not refundable once charged.
Folio AI
20 questions a month
What you get
Every account, every verdict, all the math.
$10.75/mo
Billed annually at $129.00 a year. Saves $51.00.
No charge for 14 days. Then $129.00 a year, charged when the trial ends, and renews automatically until canceled. Cancel before day 14 and you pay nothing. Not refundable once charged.
Folio AI
40 questions a month
Everything in Folio, plus
Built for households that ask hard money questions.
$20.75/mo
Billed annually at $249.00 a year. Saves $99.00.
No charge for 14 days. Then $249.00 a year, charged when the trial ends, and renews automatically until canceled. Cancel before day 14 and you pay nothing. Not refundable once charged.
Folio AI
Unlimited questions what that means
Everything in Essential, plus
Cancel anytime. Prices in USD. What “unlimited” means.
Compare plans
| Feature | Folio | Essential | Core |
|---|---|---|---|
| Accounts | |||
| Connected institutionsOn Folio, an account imported from a CSV file counts toward the one. | 1 | Unlimited | Unlimited |
| Live transaction sync | Included | Included | Included |
| Net worth updated on every sync | Included | Included | Included |
| Live balance sync as transactions land | Not included | Not included | Included |
| Folio AI | |||
| Questions and verdictsEach message you send counts, including follow-ups. Confirming the figures before a verdict does not. | 20 / mo | 40 / mo | Unlimited |
| AI card lookupFolio pulls a card’s APR, fees and perks for you. Only lookups that succeed count. | Not included | 3 / mo | Unlimited |
| Folio memory across conversationsFolio keeps goals, preferences and personal facts you share. Edit or delete them in Settings. | Not included | Not included | Included |
| Cards, debt and investments | |||
| Avalanche and snowball payoff calculator | Not included | Included | Included |
| Card APR, payment and interest projection | Not included | Included | Included |
| Card benefit tracking and sign-up bonus progress | Not included | Included | Included |
| Auto-detect benefit usage from transactions | Not included | Not included | Included |
| Mortgages and student loans auto-pulled | Not included | Included | Included |
| Investments dashboard | Not included | Included | Included |
| Support | |||
| Email support | Included | Included | Included |
