Fold Money

Fold Money

Banks, UPI, cards & net worth

8 ratings
22 reviews
Free

Details

  • Released
  • Updated
  • June 1, 2023
  • July 28, 2026

Features

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About

Effortlessly manage your finances by connecting bank accounts, credit cards, and investments. Automatically track transactions, categorize spending, and gain insights into your cash flow. Stay on top of your money with smart, automated financial oversight.

Connect bank accounts and credit cards
Track investments and portfolio performance
Automatic transaction tracking and categorization
Add notes, tags, and merchant details
Search and filter transactions
Monitor cash flow and spending habits
Track accounts for dependents
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What's New in Fold Money

2.54.1

July 28, 2026

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.

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User reviews

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.
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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.
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Fold is fantastic !! I am addicted to it

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.
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Top Elite Level UI / UX ⭐️⭐️⭐️⭐️⭐️

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! :))
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Free, Functional, and Fast—That’s FOLD!

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.
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FAQ

What is Fold Money?

Fold Money is a personal finance application that automatically tracks your bank accounts, credit cards, and investments. It helps you monitor spending, manage cash flow, and gain insights into your financial health without manual data entry.

How does Fold Money connect to my accounts?

Fold Money securely connects to your bank accounts, credit cards, and investment platforms to automatically import transaction data. This allows for real-time tracking of balances and usage.

Is Fold Money secure?

Fold Money prioritizes the security of your financial data. The application uses secure methods to connect to financial institutions, ensuring your information is protected.

Can I track my investments with Fold Money?

Yes, Fold Money allows you to connect your investment accounts to track your portfolio's performance. You can monitor how well your investments are doing directly within the app.

Does Fold Money have ads?

No, Fold Money does not contain advertisements. The app is designed to provide a clean and focused financial tracking experience without interruptions.

What devices does Fold Money support?

Fold Money is currently supported on iPhone devices. The app is designed to offer a seamless experience on iOS.

How often is Fold Money updated?

Fold Money was last updated on May 14, 2026, indicating a commitment to ongoing development and improvements. Users can expect regular updates to enhance functionality and security.

What is the age rating for Fold Money?

Fold Money has an age rating of 4+, making it suitable for a wide range of users. This rating suggests the content is appropriate for children and adults.