fold-budget

fold-budget

fold-budget is a CLI tool to work with your Fold card or bitcoin transaction CSV exports, and translate them to your budget, currently:

• YNAB
• LunchMoney

And for bitcoin account transactions, the following additional targets are supported:

• CoinLedger
• CoinTracker
• Koinly

Installation

To install, make sure you have Go installed, then run:

go install github.com/StephenBrown2/fold-budget@latest

Usage

fold-budget has a traditional command-line interface:

fold-budget [flags] <csv-file>

Flags

• -dry-run: Dry run, don't write to file
• -from value: Input format (bitcoin, checking, debit, gemini, river) - default: checking
• -to value: Output format (ynab, lunchmoney, coinledger, cointracker, koinly, irr) - default: ynab
• -since value: Include transactions since this date (YYYY-MM-DD format)
• -unit value: Output currency unit (usd, btc, sats) - default: usd
• -tui: Use interactive TUI mode

Examples

Convert a bitcoin CSV to Koinly format:

fold-budget -from=bitcoin -to=koinly ~/Downloads/fold-bitcoin-transaction-history-2025-03-31.csv

Convert a checking account CSV to YNAB format:

fold-budget -from=checking -to=ynab ~/Downloads/statement.csv

Supported Formats

Input Formats

• bitcoin: Fold Bitcoin transaction history
• checking/debit: Fold checking account transactions
• gemini: Gemini card transactions

Output Formats

Available for all input formats:

• ynab: You Need A Budget format
• lunchmoney: Lunch Money budgeting app format

Available only for bitcoin CSVs:

• coinledger: CoinLedger tax reporting format
• cointracker: CoinTracker tax reporting format
• koinly: Koinly tax reporting format
• irr: Internal Rate of Return calculation (console output only)

Currency Units

• usd: US Dollars (available for all formats)
• btc: Bitcoin (bitcoin and river input only)
• sats: Satoshis (bitcoin and river input only, not supported by Lunch Money)

Format Compatibility

Usage Examples

Bitcoin transactions to Koinly:

$ fold-budget -from=bitcoin -to=koinly ~/Downloads/fold-bitcoin-transaction-history-2025-03-31.csv
Checking for header: ["Reference ID" "Date (UTC)" "Transaction Type" "Description" "Asset" "Amount (BTC)" "Price per Coin (USD)" "Subtotal (USD)" "Fee (USD)" "Total (USD)" "Transaction ID"]
Processing with Koinly format...
Output written to fold_bitcoin_to_koinly_as_usd_2025-01-10_2025-03-31.csv

Checking account transactions to YNAB:

$ fold-budget -from=checking -to=ynab ~/Downloads/statement.csv
Checking for header: ["Transaction ID" "Settlement Date" "Description" "Amount"]
Processing with YNAB format...
Output written to fold_card_to_ynab_as_usd_2025-03-01_2025-03-25.csv

River combined statement to YNAB (produces two files):

$ fold-budget -from=river -to=ynab ~/Downloads/Individual_*_Account_Activity_*.csv
Processing with YNAB format...
Output written to river_bitcoin_to_ynab_as_usd_2026-01-01_2026-02-25.csv
Output written to river_cash_to_ynab_as_usd_2026-01-01_2026-02-25.csv

Notes

• The "debit" input format is an alias for "checking"
• River input produces two YNAB files: river_bitcoin_to_ynab_*.csv and river_cash_to_ynab_*.csv
• Some rows may be skipped because Fold includes statement metadata along with transaction data
• When using bitcoin formats, the tool can fetch historical prices for transactions missing price data
• The TUI mode provides better error handling and validation than the CLI mode

License

This program is distributed in the hope that it will be useful, but WITHOUT ANY WARRANTY; without even the implied warranty of MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. For more information, please refer to https://unlicense.org.