Auto-track every rupee from banks, UPI & credit cards. Built on India's Account Aggregator - no password sharing. Connect free today.
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, 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
- 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.
Terms of Service: https://docs.fold.money/terms-of-service
Privacy Policy: https://docs.fold.money/privacy-policy
Getting all the data automatically is why I love using this, I only need to review once a day and I get clean view of my expenses over months and years, and can track credit card spends and investments easily too! Excited for the future features as well..
You can now add nicknames to fixed deposits to better reflect their purpose and make them easier to identify.
Version 2.51.1
The developer, Lunchbrake Classic Private Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More