Fold Money
Banks, UPI, cards & net worth
Only for iPhone
Free · In‑App Purchases
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
more 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..
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..
We understand that your net worth is made up of more instruments than we support today. And even though we’re constantly adding support for new ones, we don’t want your net worth to reflect an incomplete picture.
Starting with this update, you can add Custom Entries to your net worth. These are assets or liabilities that Fold doesn't support yet, but that you'd still like to include in your net worth. You can manually add their names and values to get a more complete picture of your finances. Just tap on the net worth widget and look below the graph to find Custom Entries.
Speaking of graphs, we’ve also improved how the net worth graph looks, behaves, and responds to your interactions. You can now also tap on certain instruments in the net worth list to navigate directly to their detail views.
2.59.0 18h ago
Your insurance forms the foundation of your financial life. So far, you had to store policies in your Documents folder along with everything else, sometimes struggling to even find the right PDF. And once you found it, you still had to understand what it said.
Starting today, you can add your insurance to Fold.
Fold keeps your insurance documents easy to access and helps you make sense of the jargon inside them. We pull out the things that matter, like your coverage, benefits, exclusions, waiting periods, room rent limits, and more.
We’re starting with health insurance, with support for more insurers and insurance types coming over time.
Your insurance deserves its own place. Now it has one on Fold.
2.58.4 6d ago
Your insurance forms the foundation of your financial life. So far, you had to store policies in your Documents folder along with everything else, sometimes struggling to even find the right PDF. And once you found it, you still had to understand what it said.
Starting today, you can add your insurance to Fold.
Fold keeps your insurance documents easy to access and helps you make sense of the jargon inside them. We pull out the things that matter, like your coverage, benefits, exclusions, waiting periods, room rent limits, and more.
We’re starting with health insurance, with support for more insurers and insurance types coming over time.
Your insurance deserves its own place. Now it has one on Fold.
2.58.3 Oct 7
Your insurance forms the foundation of your financial life. So far, you had to store policies in your Documents folder along with everything else, sometimes struggling to even find the right PDF. And once you found it, you still had to understand what it said.
Starting today, you can add your insurance to Fold.
Fold keeps your insurance documents easy to access and helps you make sense of the jargon inside them. We pull out the things that matter, like your coverage, benefits, exclusions, waiting periods, room rent limits, and more.
We’re starting with health insurance, with support for more insurers and insurance types coming over time.
Your insurance deserves its own place. Now it has one on Fold.
2.58.2 Sep 30
Your insurance forms the foundation of your financial life. So far, you had to store policies in your Documents folder along with everything else, sometimes struggling to even find the right PDF. And once you found it, you still had to understand what it said.
Starting today, you can add your insurance to Fold.
Fold keeps your insurance documents easy to access and helps you make sense of the jargon inside them. We pull out the things that matter, like your coverage, benefits, exclusions, waiting periods, room rent limits, and more.
We’re starting with health insurance, with support for more insurers and insurance types coming over time.
Your insurance deserves its own place. Now it has one on Fold.
2.58.1 Sep 30
Your insurance forms the foundation of your financial life. So far, you had to store policies in your Documents folder along with everything else, sometimes struggling to even find the right PDF. And once you found it, you still had to understand what it said.
Starting today, you can add your insurance to Fold.
Fold keeps your insurance documents easy to access and helps you make sense of the jargon inside them. We pull out the things that matter, like your coverage, benefits, exclusions, waiting periods, room rent limits, and more.
We’re starting with health insurance, with support for more insurers and insurance types coming over time.
Your insurance deserves its own place. Now it has one on Fold.
2.58.0 Sep 27
With this update, you can choose when Fold starts tracking a bank account. Fell behind on transactions? Things got overwhelming? No sweat, just pick a more recent start date and Fold picks up from there.
To set it, head to Profile → Bank Accounts → Your Bank → Track from.
This release also brings the following:
- You can now add multiple merchants to auto-detection rules of any recurring expense.
- We’ve added support for SBM ZET Credit Card.
- After filtering transactions, you can now select all filtered transactions at once.
2.57.4 Sep 24
With this update, you can choose when Fold starts tracking a bank account. Fell behind on transactions? Things got overwhelming? No sweat, just pick a more recent start date and Fold picks up from there.
To set it, head to Profile → Bank Accounts → Your Bank → Track from.
This release also brings the following:
- You can now add multiple merchants to auto-detection rules of any recurring expense.
- We’ve added support for SBM ZET Credit Card.
- After filtering transactions, you can now select all filtered transactions at once.
2.57.3 Sep 16
With this update, you can choose when Fold starts tracking a bank account. Fell behind on transactions? Things got overwhelming? No sweat, just pick a more recent start date and Fold picks up from there.
To set it, head to Profile → Bank Accounts → Your Bank → Track from.
This release also brings the following:
- You can now add multiple merchants to auto-detection rules of any recurring expense.
- We’ve added support for SBM ZET Credit Card.
- After filtering transactions, you can now select all filtered transactions at once.
2.57.2 Sep 15
With this update, you can choose when Fold starts tracking a bank account. Fell behind on transactions? Things got overwhelming? No sweat, just pick a more recent start date and Fold picks up from there.
To set it, head to Profile → Bank Accounts → Your Bank → Track from.
2.57.1 Sep 12
With this update, you can choose when Fold starts tracking a bank account. Fell behind on transactions? Things got overwhelming? No sweat, just pick a more recent start date and Fold picks up from there.
To set it, head to Profile → Bank Accounts → Your Bank → Track from.
This release also brings the following:
- You can now add multiple merchants to auto-detection rules of any recurring expense.
- We’ve added support for SBM ZET Credit Card.
- After filtering transactions, you can now select all filtered transactions at once.
2.57.0 Sep 5
Fold Plus subscribers can now connect more than one Gmail account, so credit cards across different inboxes can all sync on Fold.
To add another Gmail account, go to your profile and tap Emails under Secure connections . You can also pick the right Gmail account while adding a card.
2.56.1 Aug 28
Fold Plus subscribers can now connect more than one Gmail account, so credit cards across different inboxes can all sync on Fold.
To add another Gmail account, go to your profile and tap Emails under Secure connections . You can also pick the right Gmail account while adding a card.
2.56.0 Aug 23
Your credit cards and credit score now have a space of their own, as they should.
Head to the Cards tab from your home screen for a clean, unobstructed view of all your cards, total outstanding, and upcoming dues. Your credit score and loans live here too, so everything credit is now neatly under one roof.
2.55.2 Aug 19
Your credit cards and credit score now have a space of their own, as they should.
Head to the Cards tab from your home screen for a clean, unobstructed view of all your cards, total outstanding, and upcoming dues. Your credit score and loans live here too, so everything credit is now neatly under one roof.
2.55.1 Aug 15
Your credit cards and credit score now have a space of their own, as they should.
Head to the Cards tab from your home screen for a clean, unobstructed view of all your cards, total outstanding, and upcoming dues. Your credit score and loans live here too, so everything credit is now neatly under one roof.
2.55.0 Aug 12
In India, your CIBIL score is often the first thing lenders check. Fold Plus subscribers can now connect to and monitor their CIBIL report directly from Fold. To connect, go to your profile and tap on Score & Loans below your username. Once connected, you can check your CIBIL score, view your inquiry history, and download or share your report as a PDF. What gets measured gets improved, and this is another step toward achieving total financial awareness.
2.54.2 Aug 6
In India, your CIBIL score is often the first thing lenders check. Fold Plus subscribers can now connect to and monitor their CIBIL report directly from Fold. To connect, go to your profile and tap on Score & Loans below your username. Once connected, you can check your CIBIL score, view your inquiry history, and download or share your report as a PDF. What gets measured gets improved, and this is another step toward achieving total financial awareness.
2.54.1 Jul 28
In India, your CIBIL score is often the first thing lenders check. Fold Plus subscribers can now connect to and monitor their CIBIL report directly from Fold. To connect, go to your profile and tap on Score & Loans below your username. Once connected, you can check your CIBIL score, view your inquiry history, and download or share your report as a PDF. What gets measured gets improved, and this is another step toward achieving total financial awareness.
2.54.0 Jul 25
In this update, we’ve tightened a few screws behind the scenes, cleaned up some rough edges, fixed a bunch of issues, and made everyday flows feel smoother and more predictable.
2.53.0 Jul 21
In this update, we’ve tightened a few screws behind the scenes, cleaned up some rough edges, fixed a bunch of issues, and made everyday flows feel smoother and more predictable.
2.52.0 Jul 17
You can now pay your Slice credit card bill on Fold. Also, if you know what an MCP is, we’ve got good news! Fold MCP is now available to our Annual and Believer subscribers. Head to Settings → Beta Playground → MCP to enable access.
2.51.2 Jul 8
You can now add nicknames to fixed deposits to better reflect their purpose and make them easier to identify.
2.51.1 Jun 22
This update makes tracking your EPF on Fold faster, smoother, and more reliable.
2.51.0 Jun 20
This update contains the following improvements and fixes:
- SBI Tata Star Credit Card is now supported.
- Credit card detail view now correctly highlights an overdue bill.
- Fixed an issue where Spending Summary yearly filter didn’t show all transactions.
- Fixed an issue where tapping a credit score notification could show outdated data.
2.50.5 Jun 17
We understand that your net worth is made up of more instruments than we support today. And even though we’re constantly adding support for new ones, we don’t want your net worth to reflect an incomplete picture.
Starting with this update, you can add Custom Entries to your net worth. These are assets or liabilities that Fold doesn't support yet, but that you'd still like to include in your net worth. You can manually add their names and values to get a more complete picture of your finances. Just tap on the net worth widget and look below the graph to find Custom Entries.
Speaking of graphs, we’ve also improved how the net worth graph looks, behaves, and responds to your interactions. You can now also tap on certain instruments in the net worth list to navigate directly to their detail views.
more Version 2.59.0 18h ago
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: