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. 🙏

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.

Fold is a useful consolidation app to view banks, cards and investments in one place. When aggregation works, it reduces mental load and helps with long-term financial clarity. However, the Android app lags behind iOS in features and updates, and bank syncing can be unreliable with banks like SBI and Kotak. Premium makes sense only if aggregation works well for you and you want a long-term finance dashboard. Free tier is enough for many users.

What’s new

We’re another step closer to full financial visibility. Starting today, you can track your EPF passbook directly on Fold. Your EPF balance now also appears in your Net Worth. Head to the Investments tab or scroll down in your Net Worth list to connect.