Foliom

I'm Krish, solo dev. Foliom is a personal finance app for India that runs entirely off your inbox. Connect Gmail (read-only) and it turns the financial emails you already get into:

- every transaction, auto-categorized, no manual tagging

- budgets and goals that track themselves

- a tax view (capital gains, TDS)

- forgotten subscriptions surfaced and unusual charges flagged

- net worth across your banks, brokers and funds, updating itself

- a chat with memory you can ask anything ("how much did I spend on food last month", "am I on track for my goal") that remembers your financial life

The link is a no-login demo on a sample persona, so all of that is clickable before you connect anything.

The interesting part is how it gets the data. India has no Plaid-style bank API for individuals, so the only source is email. Every bank, card and broker sends transaction emails, and the formats are inconsistent even within one bank. I don't use regex templates, they break the moment a bank tweaks its HTML.

An LLM extracts structured fields from each email, with a dedup/verification pass, because the same transaction shows up as an alert, then a statement line, sometimes a reversal. Regex handles the easy 70%; the long tail of Indian formats is where it falls apart, and that tail is most of the value.

Privacy, since it comes up: read-only, and I don't store the email body — the pipeline pulls the structured fields and drops the rest. PAN/DOB/demat IDs are encrypted per-user and crypto-shreddable on delete. Amounts and categories are plaintext on an encrypted DB so the app can do the math.

Stack: Next.js, Postgres (Supabase), Inngest for the email pipeline, Claude for extraction and the chat.

Feedback welcome on the parsing approach, the privacy model, and what breaks for your bank.