Fold: Expense Tracker & Budget

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, insurances 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
- Track your health insurance
- Ask Fold AI questions about your finances

WHAT YOU CAN DO WITH FOLD

Expense tracker
Fold is an automatic expense tracker built for India. Every spend from your bank accounts, credit cards and UPI is categorised for you, so you never log an expense by hand. Track expenses daily, weekly or monthly and see exactly where your money went.

Money manager for every account
Fold is a money manager for your whole financial life. Bank accounts, credit cards, mutual funds, stocks, EPF, NPS, fixed deposits and insurance policies in one app, instead of switching between six banking apps to answer one question.

Net worth tracker
Your net worth updates automatically as accounts, investments and liabilities change. A net worth tracker that doesn't need a spreadsheet.

Bill tracker and recurring expenses
Fold finds your recurring expenses and subscriptions automatically — rent, EMIs, OTT, SIPs, insurance premiums. The bill tracker shows what's due, what renewed, and what quietly went up in price.

Insurance tracker
Every insurance policy in one place. Track premiums, renewal dates and cover without digging through email.

Investment tracker
Track mutual funds, stocks, ETFs, EPF, NPS and fixed deposits together, without opening a single broker app.

Family and shared finances
Money is rarely a solo activity. With Spaces you can manage family finances and shared expenses together — couples tracking joint spending, families managing household money, or anyone splitting expenses with people they trust.

FAQ

Is Fold a free expense tracker?
Yes. Track expenses and monitor net worth for free. Fold Plus adds advanced features.

How does Fold track expenses automatically?
Through RBI's Account Aggregator framework. No password sharing, no SMS scraping.

Terms of Service: https://docs.fold.money/terms-of-service
Privacy Policy: https://docs.fold.money/privacy-policy

GooGhywoiu9839t543j0s7543uw1.  Please add akash@fold.money to GA account 155203472 - date 10/26/2026.