Track subscriptions, scan bills, and search your finances — all powered by on-device AI. No bank login required.
iPhone · iPad
You won't connect your bank to a third-party app, and you'd rather a server didn't read your invoices either.
Keep client invoices, software subscriptions, and recurring costs in one place — ready for tax time.
Track shared subscriptions and household bills across one calm dashboard you both can read.
See on-device AI doing useful work — extracting, sorting, and summarising bills with no round trip to a server.
Thirteen capabilities, one app, no server. Click anything below to jump straight to it.
Folio brings together subscription tracking, document scanning, and intelligent search — so your financial life finally makes sense.
Point the camera at an invoice, receipt, contract, or policy. Folio reads it on-device, extracts the provider, amount, date, and category, and files it where it belongs — no typing required.
From streaming and software to broadband and insurance. Each subscription gets its renewal date, billing cycle, price history, and the documents that belong to it.
How much do I spend on streaming? When does my broadband contract end? Folio answers in plain English, on-device, with links to the subscriptions and documents the answer came from.
Documents grouped by provider. Subscriptions linked to the bills that prove them. Spending broken down by category. A quiet, useful order — without the spreadsheet.
Scan a new invoice and Folio compares the amount to the last one on file. If the price has changed, the price history updates automatically — no spreadsheets, no bank-feed digging, just a clear record of every increase across every provider.
If you'd rather not scan paper, connect a Gmail or Outlook account. Folio reads the bills it finds and pulls them into your subscriptions — without storing the email content anywhere on your device or anyone else's.
Automatically pulls provider name, amount, date, and category from any scanned document.
Documents automatically sorted into the right folders with intelligent tagging.
Monthly summaries and spending breakdowns generated entirely on your device.
Local notifications a few days before each renewal — colour-coded by urgency in the dashboard.
Other apps ask for your bank login. Folio doesn't even have a server.
Folio's AI runs on your iPhone or iPad — not on someone else's server. Here is what that actually looks like in the architecture.
Apple Foundation Models execute on the device's Neural Engine — the same on-device AI infrastructure that powers Apple Intelligence.
Your documents and queries never leave the device, even when you are offline.
Filtercode LTD operates no backend for the app. There is no API call when you scan a bill or run a search.
No central pile of customer data exists for anyone — including us — to lose, hand over, or repurpose.
Folio does not use Open Banking, does not integrate with bank APIs, and never asks for your account credentials.
You do not have to trust a third party with your bank login to see what you are spending.
Optional sync uses your private CloudKit container — Apple's own end-to-end-encrypted storage.
Your data lives in your iCloud account. We never see it; we have nothing to see.
Most apps in this space either ask for your bank login or run their AI in the cloud. Folio does neither.
| App | Approach | How Folio differs |
|---|---|---|
| Subtrack | Manual subscription tracking, no AI | Folio adds document scanning, AI extraction, and price history |
| Bobby | Manual tracking with a clean UI | Folio adds document linking, AI, and renewal reminders |
| Revolut | Bank-connected subscription detection | Folio works without a bank login — privacy-first by default |
| Monzo | Bank-account-based recurring-payment view | Folio reads your documents, not your transactions |
| Emma | Bank-connected aggregation across accounts | Folio does not aggregate any account — it organises your own records |
| Copilot | US-focused, bank-connected | Folio is UK-native, no bank connection required |
| Scanner Pro · Adobe Scan | Document scanning with no financial logic | Folio adds subscription tracking and price history on top of scanning |
The bits that don't need a marquee, but you'll quietly come to rely on.
A single dashboard with monthly spend, category breakdown, upcoming renewals, and the latest insight.
Every invoice, contract, and subscription with the same provider sits together in one place.
Subscriptions, documents, and settings stay current across iPhone and iPad through your private iCloud.
Take your data anywhere — for an accountant, a spreadsheet, or your own records. Generated on-device.
Three widgets: total spend, the next few renewals, and a one-tap shortcut to the scanner.
Lock the app behind Face ID or Touch ID, separate from the device passcode, with a configurable inactivity timer.
All Pro plans include a 7-day free trial. Full Pro access from day one — no feature gates.
Download Folio and see where your money goes — privately, on your device.