# Fold: Expense Tracker & Budget — Banks, UPI, cards & net worth > Automated personal finance and expense tracker for India. (iPhone/iPad app by Lunchbrake Classic Private Limited.) - Source: https://appshunter.io/ios/app/fold-expense-tracker-and-budget/id1626994334 (this page in markdown: same URL + `.md`) - Developer: [Lunchbrake Classic Private Limited](https://appshunter.io/developer/1854133289) - Category: Finance - Price: Free - Rating: 5.00/5 from 9 App Store ratings · 25 written reviews indexed - Age rating: 4+ - Requires: iOS 16.4 · 208 MB - Languages: American English - Released: 2023-01-03 - Data updated: 2026-10-30 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/fold-expense-tracker-and-budget/id1626994334/reviews.md ## What is Fold? 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. ## Key features - Automatic expense tracking - Connects bank accounts and credit cards - Investment and net worth tracking - Credit score and loan monitoring - Shared family finances - AI-powered financial insights ## Is Fold safe? Not enough ratings yet to assess Fold. ## Is Fold legit? Fold: Expense Tracker & Budget appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Fold is 78 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (10 of 25) All indexed reviews: https://appshunter.io/ios/app/fold-expense-tracker-and-budget/id1626994334/reviews.md ### 5/5 — Best Budget Management App *2026-09-28* After exploring countless finance apps for nearly a year, I finally came across Fold, and the search truly feels complete. It’s remarkable to see an Indian app deliver such a world‑class experience with a feature‑rich, intuitive design. The craftsmanship behind this product clearly reflects the dedication and vision of an exceptional development team. Their customer support stands out across industries, but it’s the team behind the app—their innovation, attention to detail, and commitment to user delight—that deserves special appreciation. Kudos to the entire Fold development team for creating a product that sets a new benchmark. Do give it a try; it’s genuinely impressive. ### 5/5 — My Go-To Finance App 📊💰 *2026-09-24* The UI is incredibly clean and intuitive, and having my bank accounts, cards, investments, expenses, and net worth all in one place has completely changed the way I manage my finances. I no longer need spreadsheets or manual tracking I can simply open Fold and get a clear picture of my finances instantly. What really stands out is the attention to detail. It genuinely feels like the product was built by people who understand how complicated and frustrating personal finance management can be. Amazing work, Fold team. Keep building! 🚀 **Developer response:** Thanks for such a wonderful review Srikanth, it means a lot to us <3 ### 5/5 — Wowwww 🎖️ *2026-08-31* This was something i was searching from a very long time. This app works perfect on iphone. I have just connected everything that i have. And now i feel like i can delegate all my financial tracking to this app, i also upgraded for pro member subs by checking that the free version is itself adding too much value. I needed to connect my secondary bank account so i upgraded. The cost is also affordable but the value it is adding is far more than that. Thankyou fold team for making this incredible app which is working good on iphone. I tried other apps as well but i will rate it best among all. ### 5/5 — Highly recommended *2026-05-30* A Happy Fold+ User Sharing Appreciation Dear 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. ### 5/5 — Great App for Managing Money *2026-04-14* I’ve been using Fold for about a month now, and I’m genuinely impressed. It’s simple, clean, and incredibly accurate when it comes to tracking expenses. The app makes it really easy to understand where my money is going without feeling overwhelmed. What I like most is how it feels like having a personal money manager in your pocket. Everything is well organized, and the insights are actually useful, not just numbers on a screen. Overall, one of the best finance apps I’ve used. Highly recommended for anyone who wants to manage their money better without any hassle. ### 5/5 — Fold is fantastic !! I am addicted to it *2026-03-20* 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. ### 5/5 — Top Elite Level UI / UX ⭐️⭐️⭐️⭐️⭐️ *2026-02-11* Absolutely mind-blowing experience! Haven’t had such buttery smooth experience with an App in a long time. Feels VERY Apple-like. It not only does everything it claims to do, but also tells me what’s coming next. I’m a fan! The only missing pieces for me personally are the ability to track Joint Accounts, Govt. / Corporate Bonds, and most importantly the Wallets such as Lazypay. If you can please make this happen, I’d pay way more than the “Believer” price-tag to own this App forever. Take my money! :)) ### 5/5 — Free, Functional, and Fast—That’s FOLD! *2026-01-18* I’m the kind of person who meticulously tracked expenses in Excel spreadsheets since 2015. A while back, I switched to Cashew, but this year I made a commitment: track every transaction. That’s when I discovered FOLD, and I haven’t looked back. FOLD combines a beautifully crafted UI with thoughtfully designed functionality that makes expense tracking genuinely enjoyable. The fact that it operates on a freemium model makes it accessible to everyone, which is exactly what budgeting tools should be. Kudos to the developers for creating something this good! A humble request: please keep this app ad-free and consider making the subscription tier even more affordable. ### 5/5 — The first of its kind! *2026-01-11* I’ve been searching for an app that provides reliable, secure Indian bank sync (Jai hind) for free for a very long time and I can get by all of the features that are offered in the free tier of the current app with ads (as long as it’s not too intrusive/annoying! As a student, until I reach a stable income level, I can’t afford to pay for the app’s premium features, yet. Just one thing to note is that I hope the free version of the app doesn’t worsen over time, in fact I hope you add more features to the free tier (limited refresh), seeing the convenience features of which people should upgrade! ### 5/5 — One of the best automatic money tracker *2026-01-09* 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.. ## Frequently asked questions about Fold ### Is Fold a free expense tracker? Yes, Fold offers free expense tracking and net worth monitoring. Advanced features are available through Fold Plus, indicating a freemium model. The app is available for free on supported devices. ### How does Fold track finances automatically? Fold utilizes the RBI’s Account Aggregator framework to securely connect to your financial accounts. This allows it to automatically pull transaction data from bank accounts, credit cards, and investments without manual input. ### What financial institutions does Fold support? Fold supports tracking of bank accounts, credit cards, mutual funds, stocks, ETFs, EPF, NPS, fixed deposits, and insurance policies. It aims to consolidate information from various financial services. ### Can Fold help me manage my credit score? Yes, Fold allows you to track your CIBIL and other credit scores. It also helps monitor loans, providing a consolidated view of your credit health within the app. ### Does Fold have ads? No, Fold does not contain advertisements. The app is free to use with optional premium features available through Fold Plus. ### How often is Fold updated? The latest version of Fold is 2.59.3, last updated on October 29, 2026. This indicates a recent and active development cycle for the application. ### What devices can I use Fold on? Fold is currently supported on iPhones. Users with other devices may need to wait for future platform expansions. ### What are the benefits of Fold Plus? Fold Plus adds advanced features beyond the free tier, which includes expense tracking and net worth monitoring. Specific details on Fold Plus features are not provided but are implied to enhance the user's financial management capabilities. ## Version history (last 5 releases) ### 2.59.3 — 2026-10-29 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. ### 2.59.2 — 2026-10-27 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. ### 2.59.1 — 2026-10-21 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 — 2026-10-14 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. ### 2.58.4 — 2026-10-09 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. ## Apps similar to Fold | App | Rating | Price | Category | | --- | --- | --- | --- | | [Finma - AI Finance Tracker](https://appshunter.io/ios/app/finma-ai-finance-tracker/id6446134557) | 4.6 (44) | Free | Finance | | [Scripbox Mutual Fund & SIP App](https://appshunter.io/ios/app/scripbox-mutual-fund-and-sip-app/id1137375075) | 4.6 (107) | Free | Finance | | [CDSL MyEasi App](https://appshunter.io/ios/app/cdsl-myeasi-app/id6737304195) | 1.0 (8) | Free | Finance | | [InCred Money](https://appshunter.io/ios/app/incred-money/id6449935824) | 4.4 (18) | Free | Finance | | [Value Research Online](https://appshunter.io/ios/app/value-research-online/id1634777012) | 4.7 (126) | Free | Finance | | [Money Journal - Budget Planner](https://appshunter.io/ios/app/money-journal-budget-planner/id1305691801) | 4.3 (359) | Free | Finance | ## Related topics [fold](https://appshunter.io/ios/topics/fold) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-30.*