Fold: Expense Tracker & Budget

Fold: Expense Tracker & Budget

Banks, UPI, cards & net worth

10 ratings
25 reviews
Free

Details

Released
January 3, 2023
Updated
November 4, 2026

Features

Fold: Expense Tracker & Budget screenshot #1 for iPhone
Fold: Expense Tracker & Budget screenshot #2 for iPhone
Fold: Expense Tracker & Budget screenshot #3 for iPhone
Fold: Expense Tracker & Budget screenshot #4 for iPhone
Fold: Expense Tracker & Budget screenshot #5 for iPhone
Fold: Expense Tracker & Budget screenshot #6 for iPhone
Fold: Expense Tracker & Budget screenshot #7 for iPhone
Fold: Expense Tracker & Budget screenshot #8 for iPhone
Fold: Expense Tracker & Budget screenshot #9 for iPhone
Fold: Expense Tracker & Budget screenshot #10 for iPhone
🖼️Get Icon
Icons↘︎

About

This app automatically tracks your bank accounts, credit cards, investments, and loans in one place using India's Account Aggregator framework. It provides insights into spending patterns, net worth, and recurring expenses without manual entry.

✓Automatic expense tracking
✓Connects bank accounts and credit cards
✓Tracks investments and net worth
✓Monitors credit score and loans
✓Manages family finances with shared Spaces
✓AI-powered financial insights
Show original description
+1

What's New in Fold

2.59.6

November 4, 2026

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

Events

Read more about Your insurance, on Fold

Your insurance, on Fold

Your policy, and what it actually covers.

Oct 6, 2026 — Nov 5, 2026

Read more about Dive deeper into Mutual Funds

Dive deeper into Mutual Funds

More than numbers, truly grasp your investments.

Jul 10, 2025 — Aug 10, 2025

User reviews

Best Budget Management App

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.
Show more

My Go-To Finance App 📊💰

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! 🚀
Show more

Response from developer

Thanks for such a wonderful review Srikanth, it means a lot to us <3

Wowwww 🎖️

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.
Show more

Highly recommended

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.
Show more

Great App for Managing Money

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.
Show more

FAQ

Is Fold a free expense tracker?

Yes, Fold offers free expense tracking and net worth monitoring. Advanced features are available with Fold Plus, indicating a freemium model.

What financial accounts can Fold track?

Fold can track bank accounts, credit cards, mutual funds, stocks, ETFs, EPF, NPS, fixed deposits, loans, and insurance policies.

How does Fold ensure security for financial data?

Fold utilizes India's RBI Account Aggregator framework, which is designed for secure data sharing between financial institutions.

Can Fold track spending for multiple family members?

Yes, Fold allows you to manage finances for family members and loved ones through its 'Spaces' feature for shared expenses and joint tracking.

Does Fold help with managing bills and subscriptions?

Yes, Fold automatically identifies recurring expenses and subscriptions, acting as a bill tracker for due dates, renewals, and price changes.

What is the update frequency for Fold?

The app was last updated on November 4, 2026, suggesting active development and regular updates to ensure reliability and new features.

What devices does Fold support?

Fold is currently supported on iPhones, indicating its availability on the iOS platform.

What is the age rating for Fold?

Fold has an age rating of 4+, making it suitable for a wide range of users, including younger individuals learning about finance.