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
I am seeing such apps in western market from long and great to see initiatives by Fold Money. That is even more exciting to see Indian Banking Ecosystem taking technology seriously and opened up for startups. Our talent will push this to next level and help lots of consumers. My one advice to fold money team, Take this as opportunity to serve consumers by making them financially educated. It will not just about showing data better way, implement things intelligently and inspire them to make wise decisions. e.g. Show them you can take a loan of x amount if you have y amount of balance. Same for their investments. Also cheering up them for more investment focused than expenses focused. Those personalise notifications and complete set up financial education module in app will make wonders. I know, It's start and I am sure it will improved a lot in coming years. I just wanted to say, you are having best UI/UX team 🎉. Best of luck team for your future endeavours.
Highly recommended
RohanMehta13
A Happy Fold+ User Sharing AppreciationDear Fold Money Team,Big Thank and kudos to you for building the app !!!!!!I’ve been using Fold Money on iOS for quite some time now, and as a paid subscriber, I can confidently say it’s one of the best personal finance apps I’ve used.What stands out the most is the UI. It’s clean, thoughtfully designed, and makes managing finances feel effortless rather than overwhelming. The transaction tracking is excellent, and I love how everything is organized in a way that gives me a clear picture of my spending, accounts, and overall financial health.The automatic tracking, categorization, and insights have genuinely helped me stay on top of my finances without needing to manually manage everything. Features like transaction search, filtering, and cash flow tracking make the experience even better. Fold has done a great job of bringing together banking, credit cards, and investments into a single, elegant interface.I’ve been recommending Fold to my friends and relatives because it’s one of those rare apps that actually delivers on its promise. It’s refreshing to see an India-focused finance product with such attention to detail and user experience. Many users have praised the app’s design, automation, and transaction tracking capabilities, and my experience has been equally positive.A big thank you to the entire Fold team. Please keep doing the great work. The product is moving in the right direction, and it’s clear that a lot of thought and effort goes into every update. Looking forward to seeing what’s next.Highly recommended.
Excited to Have an India-Centric PFM with Secure Data Retrieval!
Chakrapanibs
I’m really happy to have found Fold, a personal finance management app focused on Indian users. One of the standout features is the AA (Account Aggregator)-based data retrieval system, which is incredibly safe, secure, and advanced. Unlike foreign PFMs that rely on services like Yodlee, Plaid, and SaltEdge—where you need to share your banking user credentials (a huge risk for compromise)—Fold uses a much safer method without needing to expose sensitive information.I’m also excited that Fold is built with Indian users in mind. Unlike other foreign PFMs, where billing is done in dollars and most features are US-centric, Fold is tailored for the Indian market. I’m hopeful this means we’ll see features that actually serve Indian consumers’ needs.Overall, I’m really pleased and excited about this app—it’s refreshing to see an Indian product designed for Indian users! Highly recommended!
Fold is fantastic !! I am addicted to it
vigneshgeni
I have recently been using Fold and have been impressed by its capabilities. Fold’s experience is exceptional, and its design and user interface are both simple and elegant.I have a few suggestions for improvements that Fold could implement:* Addition of PPF from Post Office or Other Banks/Stocks: I would like to add my PPF from the post office or other banks/stocks (which I purchase from US through IndMoney) to my net worth.* Manual/Partner-Fetched Asset Addition: I would also like to add assets manually or through a partner. This could include cash investments, land real estate, vehicles (two/four-wheelers and their current IDV), physical gold and silver value, or any other type of asset.* Merchant Logo Extraction from Transactions: I would appreciate it if Fold could extract the actual merchant logo from transactions.* Auto Tag Feature: I am also a fan of the auto tag feature.* Insights/Analysis Feature for Investments: I am hopeful that Fold will soon implement an insights/analysis feature for investments.Excited for feature roadmap of fold. One kind request: Bring this app to Mac and iPad support . Also if possible to apple watch to quickly check the updates.
This update makes tracking your EPF on Fold faster, smoother, and more reliable.
Version 2.51.0
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 based, for example, 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
