⚠️ CRITICAL SECURITY WARNING

This repository uses automated secret scanning. NEVER commit:

• API keys (OpenAI, Anthropic, database credentials)
• AI agent tokens
• Database connection strings
• Private keys

Before committing: Review our Security Policy and AI Agent Keys Policy

Folio is a personal wealth management application designed for Australian investors. It combines portfolio tracking with automatic bank statement import, making it easy to monitor your investments and spending in one place.

• 🇦🇺 Built for Australia — Native support for Australian banks
• 📊 Unified View — Investments and bank accounts in one dashboard
• 🏦 Auto-Import — Connect your bank statements automatically
• 📈 Performance Tracking — Real-time portfolio analytics
• 💰 Net Worth Calculator — Track your complete financial picture

• Multi-Asset Support — Shares, ETFs, managed funds, property
• Performance Analytics — Track returns, dividends, and distributions
• Tax Reporting — Capital gains and income summaries
• Benchmark Comparison — Compare against ASX indices
• Dividend Tracking — Automatic dividend reinvestment calculations

• Australian Banks — Support for major Australian banks
• Statement Import — Automatic CSV/OFX import
• Transaction Categorization — AI-powered spending categorization
• Cash Flow Analysis — Income vs expenses tracking
• Reconciliation — Match transactions across accounts

• Portfolio Reports — Detailed performance summaries
• Tax Statements — Annual tax reporting ready
• Cash Flow Reports — Track where your money goes
• Custom Date Ranges — Analyze any time period
• Export Options — PDF, CSV, and Excel exports

• Node.js 18+
• A modern web browser

# Clone the repository
git clone https://github.com/Sensible-Analytics/folio.git
cd folio

# Install dependencies
npm install

# Set up environment variables
cp .env.example .env
# Edit .env with your configuration

# Run development server
npm run dev

Visit http://localhost:3000 to access the application.

Folio supports automatic import from major Australian banks:

• Commonwealth Bank
• Westpac
• ANZ
• NAB
• ING
• Macquarie
• And more...

• Local-First — Your data stays on your device
• No Cloud Storage — We don't store your financial data
• Open Source — Audit the code yourself
• No Tracking — No analytics or tracking

This repository includes automated secret scanning. NEVER commit:

• API keys or tokens
• Database credentials
• Private keys

Before contributing:

1. Install pre-commit hooks:

   pip install pre-commit
   pre-commit install

2. Use environment variables:

   cp .env.example .env
   # Edit .env (NEVER commit!)

3. If you expose a secret:

   • Revoke immediately
   • Contact: [email protected]

See Security Policy and AI Agent Keys Policy for details.

Contributions are welcome! Please read our Contributing Guide.

Folio is a personal finance tool and is not financial advice. Always consult with a qualified financial advisor before making investment decisions.

MIT License — see LICENSE