Fold

Fold

About this app

To maintain a sincere record of your finances, every rupee and paisa accounted for, is the advice sent down through generations. But because of immovable consistency and considerable will required to follow this advice, only a very few managed to do it and reap the benefits of being in check of their money.

Fold aims at making those benefits accessible to everyone, without any effort required. Every time you make a transaction, for whatever purpose, a reminder to make a note of it, where it’s spent, on what e.t.c shouldn’t be hovering over your head all the time. Fold connects to your bank accounts, credit cards and investments to automatically get, tag, add merchants & extract insights without you having to do anything.

Use Fold to:

- Connect your bank accounts and automatically track transactions and balances.
- Add rich metadata to those transactions, like notes, tags, icons, merchant e.t.c.
- Search and Filter transactions, figure out exactly how much you’ve spent and on what in a given duration.
- Connect your credit cards and track real-time usage and transactions.
- Connect your investments to track how well your portfolio is doing.
- Put a rein on your spendings by being aware of where your money is exactly going, and places you can control your spending.
- Check your Cash Flow and compare it with previous months.
- Track accounts of dependents and loved ones so they never have to explicitly ask you for support.

All in all, be on top of your finances as if you’ve hired the smartest personal accountant. Except you’ve not, you’ve just downloaded Fold.

Ratings and reviews

Great UI, but I can't fully rely on Fold yet. Key accounts like PPF (SBI) and local Co-op banks are missing. Using the 'Fixed Deposit' option as a workaround for PPF is inaccurate. I understand the Account Aggregator (AA) limitations are not your fault, but we cannot wait years for every bank to join. Please add a 'Manual Account' entry option immediately. Without manual entry for unsupported banks, I'm forced to use other apps to see my true net worth. 🙏

Your widget is broken. it's keep showing buffering icon (loading) throughout the day, which makes no sense of widget when you can't see your expenses at a single glance. Unless until i click the fold app then it updates the widget, which is again falters the use of widget. Fix it ASAP. Edited and reply to your answer my device S21FE is running on Android 16 Relatively newest and stable android version Unlike A17.. Still these kind of problems?? And restarting device won't resolve this.

The app has become basically just a place where your transactions are recorded. Auto tagging, recipient identification and every other useful feature is just broken now. I have been using it for more than a year, if it improves then great, else planning on moving to Cred or other apps.

What’s new

The ultimate test of a personal finance app is how well it handles the nuances of personal finance. One of the most complex ones for us to solve has been shared finances: when you spend money with friends or loved ones and get it back in parts. Paying rent with flatmates. Lending money to a friend who returns it in tranches. Things that tend to mess up your cash flow.
With this update, we’ve finally solved it.
Head to any transaction and tap Refund Center to begin.