Everything you might ask.

Your whole financial picture in one place. On the asset side: cash accounts, stocks and ETFs, mutual funds, crypto, gold and jewellery (by weight or by value), property, and anything else worth recording. On the liability side: loans and EMIs, each with its rate, balance, and projected payoff date. Around that, OneFold keeps insurance policies and nominees, recurring income, monthly spending and one-off transactions, and the savings goals you are working toward. Snapshots quietly record your net worth over time, so the charts can show how it moves from month to month.

Yes, and it is built for it. You pick a base currency, and every holding you add in another currency is converted to it automatically using delayed public exchange rates. You can keep assets and loans in as many currencies as you like, and view your totals in any currency you hold, not just the base. Gold and other metals are valued from their spot price, and you can always override any rate or price by hand if you prefer your own number.

Keyless public market sources, so there is nothing to sign up for and no API key to manage. Exchange rates, gold and metal spot prices, fund values, and stock and ETF quotes are pulled from free public feeds when you press refresh. Prices are delayed rather than real-time, and a refresh only ever sends the public symbol, a currency code or a ticker, never your holdings. If a price is missing, stale, or simply wrong, you can type the right one in, and your manual value is always kept.

From Settings you can export a backup at any time, in one of two formats. A plain Excel file is human readable and doubles as a spreadsheet of your data. An encrypted .nwx file is sealed with a passphrase, so it is safe to keep in cloud storage. To move to a new device, or to restore, open OneFold there and import the file. Because OneFold keeps no copy on a server, these backups are how you carry your data, so it is worth exporting one now and then.

Optional, and private by default. Out of the box it runs entirely on your device, with no model to download and nothing sent anywhere, and it answers factual questions about your own numbers: your net worth, a loan, your spending, a goal. It will not predict markets or tell you what to buy, sell, or hold. If you want richer, more conversational answers, you can connect your own AI provider, and even then only a minimal summary leaves, per message, and only with your consent.

OneFold is in trial and free to use, with no card required. Paid plans may be introduced in a later version, but trial members who share feedback during this period keep it free afterwards, as a thank you. The app is deliberately built on free, keyless infrastructure, so it costs almost nothing to run, and that keeps the free promise realistic rather than a loss leader.

Only on your device, inside your browser's own storage. There is no account to create, no server holding a copy, and no sync to a cloud you do not control. In practice that means no one, including us, can see your numbers, and it also means your backups are how you keep a safe copy and move between devices.

Nothing you would lose access to. Your data lives on your device, not on a service we operate, so it does not vanish if our website does. The installed app keeps working offline, and your Excel backups are ordinary spreadsheets that stay readable in any spreadsheet program for as long as you keep them. OneFold is built so you are never locked in to us.

Very little, and only when you ask for it. Refreshing prices sends public market symbols, currency codes and tickers like USD, AED, or AAPL, and nothing else. Your amounts, balances, holdings, account names, and notes never leave the device. If you connect your own AI provider, a minimal summary of figures is sent for that one message, with your consent, and it never includes passwords, documents, or account names. Turn off price refresh and the optional advisor, and nothing leaves at all.

No. There are no analytics, no advertising, no tracking cookies, and no third-party scripts watching what you do. OneFold has no way to build a profile of you, because it never sends your activity anywhere to begin with. The privacy is structural, not a setting you have to find and switch on.

Yes. Turning on App lock encrypts everything stored on your device behind a passphrase, using strong, standard cryptography (PBKDF2 key stretching with AES-GCM). Documents you attach and passwords you save are sealed with that same key, and .nwx backups are protected the same way. While the app is locked, your data is unreadable without the passphrase, even to someone who has the device in hand.

It cannot be recovered, and that is deliberate: if a passphrase could be reset, the encryption would not be real protection. Nobody, including us, holds a copy or a back door. The safeguard is simple. Keep a current backup, either a plain Excel export or an .nwx file whose passphrase you remember, so a forgotten lock never means losing your data.

By default, completely. It runs on your device and sends nothing out at all. If you choose to connect your own AI provider for richer answers, then for each message a minimal summary of the relevant figures is sent to that provider, and only after you agree to it. That summary never includes your passwords, your documents, or your account names, and you can switch the connection off at any time to return to fully on-device answers.

Yes, fully. Once it is open, or installed as an app, everything works with no connection: adding and editing your data, your net worth and totals, snapshots and charts, backups and restore, App lock, the vault, and the on-device advisor. OneFold is offline-first by design, so a connection is a convenience for fresh prices, never a requirement for the app to run.

Only two things, and both are optional. Refreshing live prices needs a connection to reach the public market feeds. The AI advisor needs one only if you have connected your own provider, since the built-in advisor runs on-device. Everything else, including entering prices by hand, works offline. If you never refresh and never connect a provider, OneFold uses the internet for nothing at all.

Correct. You can run OneFold entirely offline, enter and update prices by hand, and still use every feature that affects your net worth. Install it once using the steps below, and it keeps working with no connection, opening straight from your home screen or dock like any other app. A connection only ever adds fresh prices on top, when you want them.

Open OneFold in Edge or Chrome, then look for the install icon at the right of the address bar (a small monitor or plus symbol) and click it. If you do not see it, open the browser menu and choose "Install OneFold". It is then added to your Start menu and taskbar, and opens in its own window without browser tabs.

Open OneFold in Safari, then open the File menu and choose "Add to Dock". In Chrome or Edge on a Mac, use the install icon in the address bar instead. Either way, OneFold then launches from the Dock or Launchpad in its own window, and works offline.

Open OneFold in Safari, tap the Share button (the square with an upward arrow), then choose "Add to Home Screen". It then opens full screen from your home screen, just like an app from the App Store, and keeps working offline.

Open OneFold in Chrome, tap the browser menu (the three dots), then choose "Install app" or "Add to Home screen". It is added to your app drawer and home screen, and opens in its own window rather than a browser tab.

Launch OneFold from your home screen, dock, or app list, and it opens full screen, without browser tabs or an address bar, and works offline. Your data stays exactly where it was, since it lives on the device, and you can uninstall at any time like any other app, with your backups kept separately.