# Fold Money — Banks, UPI, cards & net worth > Automated personal finance tracker for bank accounts, credit cards, and investments. (iPhone/iPad app by Lunchbrake Classic Private Limited.) - Source: https://appshunter.io/ios/app/fold-money/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 8 App Store ratings · 23 written reviews indexed - Age rating: 4+ - Requires: iOS 16.0 · 202 MB - Languages: American English - Released: 2023-01-03 - Data updated: 2026-09-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/fold-money/id1626994334/reviews.md ## What is Fold Money? 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 ## Key features - 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 ## Recent user reviews (10 of 23) All indexed reviews: https://appshunter.io/ios/app/fold-money/id1626994334/reviews.md ### 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.. ### 5/5 — If Apple were to get into this, this is how they’d do it! *2025-12-10* I am a fan of this app from its early days when I came across a Reddit comment recommending this app. Since then I have been preaching my friends how this is a must have app on their phones. Ability to sync multiple emails for credit card is the only missing feature that is stopping me from seeing everything happening in my bank accounts. Keep up with this amazing job! **Developer response:** Thank you, Shubham! It warms our hearts to read this. ### 5/5 — Greatest money manager in the world *2025-11-10* Well integrated money manager, probably the best in the world, be it still has some bugs. I am unable to refresh my stocks portfolio, it always shows refresh will be available at night 9 but it wont refresh, been stuck at old portfolio for 5months now. Would be nice if you guys had upi and be able to apply limits to certain group of transactions, like if i have spent 2000 in a month already, block my transaction from going through if my monthly shopping budget is 2000. **Developer response:** Hi, thank you so much for the review. Your stocks are refreshed every day at the shown time. If your stocks data remains stale for a long time please re-connect it by going to your Profile > Investments > Stocks & ETFs and scroll down to find a disconnect option. Then, add it again from Profile > Investments > + button on top right. This should fix it for you. We have budgeting planned for Q1 next year! ## Frequently asked questions about Fold Money ### 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. ## Version history (last 5 releases) ### 2.57.0 — 2026-09-05 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. ### 2.56.1 — 2026-08-28 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 — 2026-08-23 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. ### 2.55.2 — 2026-08-19 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 — 2026-08-15 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. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-10.*