Early access — EU freelancers

The complete financial OS for EU freelancers

Invoice clients via SEPA, save automatically, invest with Degiro or XTB, and track tax deductions — all in one app built around irregular income.

EU invoice generator SEPA auto-save Degiro & XTB investing Tax deductions
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9:41●●●
Good morning
Dashboard
Saved this month
€847
↑ €127 more than last month
Earned
€3,240
↑12%
Saved
€324
10%
Invested
€162
5%
Recent SEPA payments
Tatra Banka — Client A+€1,200
Revolut — Client B+€850
Auto-saved to pot→€85
Home
Invoice
Invest
Tax
9:41●●●
Invoices
EU compliant
Recent invoices
Slovak Client s.r.o.€1,200
IČO: 12345678 Paid
Czech Client s.r.o.€850
Due: 20 Apr Pending
EU Remote Client€2,400
VAT exempt noted Draft
+
New invoice
Home
Invoice
Invest
Tax
9:41●●●
Tax deductions
This year
Total deductible
€3,840
Est. tax saving: €960
By category
Software & tools€840
Equipment€1,200
Home office€960
Travel (EU)€480
Professional dev.€360
Home
Invoice
Invest
Tax

Features

Everything a EU freelancer needs. Nothing they don't.

Stop juggling iDoklad for invoicing, Revolut for banking, Degiro for investing, and a spreadsheet for expenses. Folo replaces them all.

🧾
KEY FEATURE

EU-compliant invoice generator

Create professional invoices in 60 seconds that meet Slovak, Czech, and EU legal requirements — IČO, DIČ, IČ DPH, IBAN, due date and VAT fields all included. Send via email, track payment status, set automatic reminders for late payers.

📋
KEY FEATURE

Tax deduction tracker

Log business expenses in one tap — software subscriptions, equipment, home office, EU travel. Folo categorises everything and generates a clean Slovak/Czech tax deductions report for your accountant at year end. No more spreadsheets.

⚡

Auto-save via SEPA

Every time a SEPA payment arrives — from Tatra Banka, Revolut, Wise or any EU bank — Folo automatically moves your chosen percentage to a savings pot. Set it once. Never think about it again.

📈

Auto-invest with Degiro or XTB

When your savings hit a threshold you set, Folo automatically invests into your chosen ETF or index fund via Degiro or XTB — two of Europe's most popular investment platforms. Your money grows in the background.

📊

Income dashboard

See all your SEPA payments, invoices, savings pots and investments in one place. Know exactly where you stand at any moment. Built for irregular income — not for salary earners.

🔒

GDPR compliant and EU hosted

All data stored within the EU. Invoices meet Slovak and Czech legal standards. GDPR compliant from day one. No data sold to third parties. Ever.

Integrations

Works with the tools EU freelancers already use

Connect your existing accounts in minutes. No switching banks. No learning new tools.

Revolut
Receive payments, track SEPA transfers
EU favourite
Wise
Multi-currency payments from global clients
EU & global
Tatra Banka
Slovak bank SEPA integration
Slovakia
ČSOB
Czech & Slovak bank payments
SK & CZ
Degiro
Auto-invest into EU ETFs and index funds
EU investing
XTB
Commission-free EU stock and ETF investing
EU investing
Portu
Czech & Slovak robo-advisor
SK & CZ
SEPA Direct
Any EU bank via open banking PSD2
All EU banks

How it works

One app. Your entire financial workflow.

From sending an invoice to a Slovak client to automatically investing the proceeds into a Degiro ETF — all without thinking about it.

1

Send an EU-compliant invoice

Create an invoice in 60 seconds with all required Slovak and EU fields — IČO, DIČ, IBAN, VAT status. Send directly to your client. Folo tracks when they open it and chases late payments automatically.

2

SEPA payment arrives — Folo acts

The moment your client pays via SEPA, Folo splits it automatically — 10% to savings, 20% to tax reserve, 5% queued for investing. Works with Revolut, Wise, Tatra Banka or any EU bank.

3

Invest and track deductions automatically

When savings hit your threshold, Folo invests into your chosen ETF via Degiro or XTB. Meanwhile every business expense you log is categorised and saved for your Slovak or Czech tax return.

Compare

One app instead of four

Most EU freelancers are paying for separate tools that do not talk to each other. Folo replaces them all.

App EU Invoicing Auto-save Auto-invest Tax deductions Monthly cost
Folo ✓ ✓ ✓ ✓ €9.99
iDoklad / Fakturoid ✓ ✗ ✗ ✗ €8.99
Revolut Pro ✗ ✗ ✗ ✗ €9.99
Degiro / XTB ✗ ✗ ✓ ✗ Free + %
Spreadsheet + accountant ✗ ✗ ✗ Manual Your time

About

James, Founder of Folo

Built by a freelancer who had the same problem

I kept having good months. Decent clients, good income, work I was proud of. But at the end of every quarter I would check my account and wonder where it all went.

I was using iDoklad for invoicing, a Revolut account I never remembered to move money from, Degiro for occasional investing, and a spreadsheet for expenses that was always three months out of date. Four tools that did not talk to each other — none of them built for how freelancers in Central Europe actually work.

So I built Folo — the complete financial tool I wished existed. One place for everything, automated around SEPA payments and irregular income instead of pretending you have a salary.

James
Founder, Folo — Slovakia

Contact

Get in touch

Have a question? Want to give feedback before we launch? We read every message and reply personally.

📍Nitra Region, Slovakia
🏢JSPiekinvestments s.r.o. — IČO: 52799115
🌍Serving EU freelancers across Europe
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