Fold

Fold

About this app

Fold is a personal finance and expense tracking app for India that helps you track bank accounts, credit cards, investments, loans, credit score, EPF, NPS, CIBIL, Fixed deposits and spending automatically in one place using RBI’s Account Aggregator framework.

Most money apps require constant effort — manually tracking expenses, switching between banking apps, checking statements, and trying to piece together where your money is going. Fold is designed differently.

Fold connects securely to your financial accounts and automatically organizes your money so you can understand your spending, cash flow, investments, and overall financial health without needing spreadsheets or manual entry.

Use Fold to:
- Track bank accounts, balances, and transactions automatically
- Connect credit cards and monitor real-time spends and outstanding dues
- Track mutual funds, stocks, ETFs, EPF, NPS, fixed deposits, and net worth
- Track your CIBIL and other credit scores
- Search and filter transactions across all your accounts instantly
- Understand spending patterns with cash flow and category insights
- Add notes, tags, receipts, and groups to transactions
- Set balance alerts and track recurring expenses
- Monitor your credit score and loans
- Manage finances for family members and loved ones with shared Spaces
- Ask Fold AI questions about your finances

Fold is built with a strong focus on privacy, clarity, and thoughtful design. We believe money management should feel calm, effortless, and understandable — not stressful or overwhelming.

Whether you want to track expenses, stay on top of investments, manage credit cards better, or simply understand where your money is going, Fold helps bring everything together in one place.

Ratings and reviews

Absolutely fantastic app. Perfect for keeping track of all my credit cards in one place. One small issue I have is that I hold ICICI Coral and Sapphiro cards but Fold is unable to track my Sapphiro spending at all cause when the bill is generated, both Coral and Sapphiro statements come in one Coral branded statement. Would be great if Fold could find a workaround to this.

Great app, hoping that this matures into something even more awesome. Some points I wanted to mention. 1. Will there be an option to track RDs? 2. Is the web app going to be available for free customers? 3. The web app, although incomplete is very helpful in organising transactions, would love to see more work done on it 4. Way to manage cash accounts, not as transactions. 5. More subscription price options, 999 a year for something which still has a lot of work to be done on it is a bit steep.

Great app with a clean interface and good user experience. One feature that would make it even better is showing the payment source for each expense (Bank Account, Credit Card, UPI, Cash, etc.) and allowing transactions to be grouped by payment method. Many users now make credit card payments through Google Pay, so it's difficult to know whether a transaction was paid from a bank account or a credit card. Adding this would make expense tracking much more accurate and useful.

What’s new

With this update, you can choose when Fold starts tracking a bank account. Fell behind on transactions or things got overwhelming? No sweat. Pick a more recent start date and Fold picks up from there.
Set it in Profile → Bank Accounts → Your Bank → Track from.

Also included:
- Add multiple merchants to auto-detection rules for recurring expenses.
- Support for SBM ZET Credit Card.
- Select all filtered transactions at once.