Our story

Built by freelancers,
for freelancers

We got tired of tools that didn't understand how EU freelancing actually works. So we built the one we always wanted.

Every year, the same story. March arrives and panic sets in. Where did all the money go? How much do I owe in tax? Did I cross the VAT threshold? What are my odvody this year?

We tried every tool available — FreshBooks, Xero, Wave, spreadsheets. None of them understood EU freelancing. They didn't know what a paušál deduction was. They couldn't calculate contributions. They had no concept of the VAT threshold working on a rolling 12-month basis.

We spent hours every quarter doing manual calculations that should have taken minutes. We forgot to set aside tax money and faced bills we weren't prepared for. We undercharged clients because we didn't know our real day rate after deductions.

"We couldn't find a single tool that understood EU freelancing. So we built one."

Folo is the financial OS we always wanted. Every feature exists because we personally felt the pain of not having it. The contributions calculator, the flat-rate expense toggle, the VAT threshold alert, the auto-split pots — every single one came from a real problem we faced.

We're building this in public, starting with early access for EU freelancers who want to help shape the product. If you've ever had a tax surprise in March, Folo is for you.

What we stand for

Our values

Radical transparency

No hidden fees. No dark patterns. No upselling you things you don't need. Folo tells you exactly what you owe, what you've saved, and what's coming. Always.

Privacy first

Your financial data is yours. We never sell it, never share it, and store it exclusively in the EU under GDPR. You can delete your account and all data at any time.

Free where it matters

The features that help most freelancers most — invoicing, tax calculator, VAT tracker, earnings pots — are free forever. We charge for advanced features, not basic ones.

Built with users

Every feature we build comes from real user feedback. If you sign up for early access, your input directly shapes what we build. This is a product built with its users, not at them.

EU first

Folo is built in Europe, for Europe. We understand EU tax law, EU VAT rules, and EU banking because we live and work under them. This is not an afterthought — it is the foundation.

Keep it simple

Financial tools don't need to be complicated. If a feature takes more than 30 seconds to understand, we redesign it. Simplicity is a feature, not a compromise.

Trust & security

Your data is safe with us

256-bit encryption

All data is encrypted in transit and at rest using AES-256 encryption. Your financial information is protected to the same standard as online banking.

GDPR compliant

Folo is fully GDPR compliant. Your data is stored in EU data centres, never sold to third parties, and you can request deletion at any time.

Two-factor authentication

Protect your account with 2FA using any TOTP authenticator app. Required for accessing sensitive financial data and making account changes.

No data selling. Ever.

We do not run ads. We do not sell your data. We do not share your information with third parties except the integrations you explicitly connect. Our business model is subscriptions, not surveillance.

Where we are going

Folo roadmap

Q1 2026 — Complete
Landing page & waitlist
Launched folo.it.com, built the founding member programme, and started collecting early access signups.
Q2 2026 — In progress
MVP launch
Core invoicing, tax calculator, earnings pots, VAT tracker, and financial health score. Free and Pro plans live.
Q3 2026 — Planned
Integrations phase
Stripe payments, Degiro and XTB investment automation, NeoTax data export integration, and Mailchimp sync.
Q4 2026 — Planned
Mobile app
Native iOS and Android app. Create invoices, check your health score, and view pots from your phone.
2027 — Vision
Expand to all EU countries
Full support for all 27 EU member states with country-specific tax rules, VAT regulations, and contribution calculations.