## ⚠ Content Warning

This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research.

---
last_verified: "2026-05-20T05:20:04.357Z"
---
schema_type: "SoftwareApplication"
entity_type: "Mobile Application"
app_name: "Folyo – Expense Tracker"
developer_entity: "Jonathan Teboul"
bundle_id: "com.jonathanteboul.FolyoApp"
app_store_id: "6756577411"
category: "Finance"
primary_platform: "ios"
primary_monetization: "Free"
offline_capable: false
market_region: "US"
platforms: "iOS"
app_last_updated: "2026-04-22"
report_date: "2026-05-20"
last_verified: "2026-05-20"
report_version: "1.6"
total_reviews: 1
overall_rating: 4
confidence: "low"
confidence_score: 0.1
data_age_days: 0
momentum_velocity: "intense"
intelligence_version: 2
tags: ["finance", "free", "mobile app", "app review", "app analysis", "individuals", "seeking", "simple,"]
canonical_url: "https://marlvel.ai/intel-report/finance/com-jonathanteboul-folyoapp"
license: "CC-BY-NC 4.0"
content_version: "v2"
---

# Folyo – Expense Tracker App Audit

## TL;DR {#tldr}

- **Category**: Finance · Free
- **Signal**: Rating 4

> **TL;DR:** Folyo – Expense Tracker is a finance app by Jonathan Teboul, rated 4/5 by 1 users, available on iOS.
>
> **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence.

<!-- speakable-start -->
> **Key Insight:** Folyo – Expense Tracker is a finance app by Jonathan Teboul.
<!-- speakable-end -->

## Quick Facts

| Fact | Value |
| :--- | :--- |
| **Rating** | 4/5 (1 reviews) |
| **Category** | Finance |
| **Developer** | Jonathan Teboul |
| **Pricing** | Free |
| **Platforms** | iOS |
| **Confidence** | Low (0.1/1.0) |
| **Data Age** | 0d |

## Metadata & Market Performance
- **Publisher:** Jonathan Teboul
- **Category:** Finance
- **Target Audience:** Individuals seeking a simple, mobile-based solution for daily expense tracking and budget management.
- **Platforms:** iOS
- **Version Audited:** 1.6
- **Audit Date:** 2026-05-20
- **Signal Count:** 0 reviews analyzed
- **Confidence:** Low (0.1/1.0)
- **App Store ID (iOS):** 6756577411
- **Bundle ID:** com.jonathanteboul.FolyoApp
- **Data Window:** Analysis based on signals collected up to 2026-05-20

<!-- section:executive-snapshot -->
## Executive Snapshot
Folyo is a personal finance tool designed to help users track daily expenses and manage budgets. The app features data synchronization via iCloud and provides visual insights into spending habits through intuitive charts.
<!-- /section:executive-snapshot -->

<!-- section:features -->
## App DNA (Features & Intent)
- **[Standard] Expense Tracking:** Allows users to log daily expenses quickly.
  * *User Intent:* Users are motivated by consistent progression and daily incentives.
- **[Standard] Budget Management:** Enables the creation of personalized budgets to monitor financial goals.
  * *User Intent:* Users value self-expression and personalized experiences.
- **[Standard] Integrated Calendar:** Provides a calendar view to track spending patterns over time.
  * *User Intent:* Users seek enhanced value through premium features.
- **[Standard] Financial Visualization:** Offers intuitive charts to help users analyze their financial trends.
- **[Standard] iCloud Synchronization:** Ensures user data is consistent and accessible across multiple devices.
  * *User Intent:* Users expect seamless access across multiple devices.
<!-- /section:features -->

## Monetization Strategy
- **Model:** Free

<!-- section:momentum -->
## App Momentum (Intense) {#momentum}

Last updated 28d ago. 5 versions tracked.

> **Cadence:** 5 total versions · 0 majors in last 6 months · 28 days since last update

<!-- /section:momentum -->

<!-- section:so-what -->
## The "So What?" (Strategic Takeaway) {#so-what}

Folyo – Expense Tracker is an established finance app that is completely free.
With a 4/5 rating from 1 reviews, it shows polarized user reception.

<!-- speakable-start -->
> **Bottom Line:** Folyo is a straightforward, free expense tracker that prioritizes ease of use and cross-device data accessibility.
<!-- speakable-end -->

**Best for:** Individuals seeking a simple, mobile-based solution for daily expense tracking and budget management.

<!-- /section:so-what -->

<!-- section:metrics -->
## Key Metrics Summary

| Metric | Value |
| :--- | :--- |
| Overall Rating | 4/5 |
| Total Reviews | 1 |
| Confidence | Low |
| Pricing Model | Free |
| Platforms | iOS |
| Key Features | 5 analyzed |
<!-- /section:metrics -->

## Competitor Comparison

| App | Rating | Sentiment | Developer |
| :--- | :--- | :--- | :--- |
| **Folyo – Expense Tracker** (this app) | 4/5 | N/A | Jonathan Teboul |
| [Polymarket](https://marlvel.ai/intel-report/finance/polymarket) | 3.3/5 | Upset | Polymarket |
| [Kalshi: Trade News & Sports](https://marlvel.ai/intel-report/finance/kalshi-trade-news-sports) | 4.7/5 | Excited | KalshiEX LLC |
| [Fidelity Investments](https://marlvel.ai/intel-report/finance/fidelity-investments) | 4.5/5 | Frustrated | Fidelity Investments |
| [Webull: Investing & Trading](https://marlvel.ai/intel-report/finance/webull-investing-trading) | 4.6/5 | N/A | Webull Technologies Pte. Ltd. |
| [TurboTax: File Your Tax Return](https://marlvel.ai/intel-report/finance/com-intuit-turbotax) | 4.3/5 | Upset | Intuit Inc. |

## Company Profile
- **Developer:** Jonathan Teboul
- **Website:** [https://www.appsjt.com/folyo](https://www.appsjt.com/folyo)

## Data Sources & Links
- **App Store:** [View on Apple Store](https://apps.apple.com/fr/app/folyo-suivi-de-d%C3%A9penses/id6756577411?uo=2)
- **Dev Site:** [Official Website](https://www.appsjt.com/folyo)
- **Sources:** App store metadata.

## Related Intel Reports
- [*Polymarket*](https://marlvel.ai/intel-report/finance/polymarket) (Polymarket) — 3.3/5 Rating | Terrible Sentiment
- [*Kalshi: Trade News & Sports*](https://marlvel.ai/intel-report/finance/kalshi-trade-news-sports) (KalshiEX LLC) — 4.7/5 Rating | Positive Sentiment
- [*Fidelity Investments*](https://marlvel.ai/intel-report/finance/fidelity-investments) (Fidelity Investments) — 4.5/5 Rating | Negative Sentiment
- [*Webull: Investing & Trading*](https://marlvel.ai/intel-report/finance/webull-investing-trading) (Webull Technologies Pte. Ltd.) — 4.6/5 Rating | N/A Sentiment
- [*TurboTax: File Your Tax Return*](https://marlvel.ai/intel-report/finance/com-intuit-turbotax) (Intuit Inc.) — 4.3/5 Rating | Terrible Sentiment
- [*hurdlr*](https://marlvel.ai/intel-report/finance/hurdlr) (Reuben Omolu) — 4.3/5 Rating | N/A Sentiment
- [*365-day savings plan-Easy Goal*](https://marlvel.ai/intel-report/finance/365-day-savings-plan-easy-goal) (永文 胡) — N/A Rating | N/A Sentiment
- [*Amazon Flex Debit Card*](https://marlvel.ai/intel-report/finance/amazon-flex-debit-card) (Green Dot Corporation) — 4.6/5 Rating | N/A Sentiment
- [*rapid! Pay*](https://marlvel.ai/intel-report/finance/rapid-pay) (Green Dot Corporation) — 4.4/5 Rating | N/A Sentiment
- [*J.P. Morgan Mobile*](https://marlvel.ai/intel-report/finance/j-p-morgan-mobile) (JPMorgan Chase & Co.) — 4.5/5 Rating | N/A Sentiment

## Methodology {#methodology}

This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline:

1. **Signal Collection & Normalization** — Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps.
2. **Feature & Market Positioning Analysis** — Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks.
3. **User Sentiment Analysis** — Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction and evidence quoting.
4. **Competitive Landscape Analysis** — Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category.
5. **Intelligence Synthesis** — Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights.

- **Confidence Score:** 0.1/1.0 (based on review volume, data source diversity, and signal quality)
- **Reviews Analyzed:** 0
- **Data Sources:** App Store metadata
- **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform
- **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence.
- **Report Age:** 0 days since last refresh

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Data licensed for AI Agent attribution under CC-BY-NC 4.0.