Folio

Wealth Portfolio Management

Track investments with automatic Australian bank statement import

---

🛡️ Security First

⚠️ 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

---

🎯 What is Folio?

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.

Why Folio?

• 🇦🇺 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

---

✨ Features

Portfolio Management

• 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

Bank Integration

• 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

Reporting

• 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

---

🚀 Quick Start

Prerequisites

• Node.js 18+
• A modern web browser

Installation

# 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.

---

🛠️ Tech Stack

Component	Technology
Frontend	TypeScript, React
Styling	Tailwind CSS
State Management	Zustand
Charts	Recharts
Build Tool	Vite

---

📊 Supported Banks

Folio supports automatic import from major Australian banks:

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

---

🔒 Privacy & Security

• 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

---

🔐 Development Security

🚨 Security Requirements

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: security@sensibleanalytics.co

See Security Policy and AI Agent Keys Policy for details.

🤝 Contributing

Contributions are welcome! Please read our Contributing Guide.

---

⚠️ Disclaimer

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

---

📄 License

MIT License — see LICENSE

---

Built by Sensible Analytics
AI architecture for regulated industries