Fold vs Axio 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, 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.

Take control of your money with Axio Money, a private expense tracker and budget planner that keeps your financial data on your iPhone. No account, no ads, no cloud sync. NEW: SCAN & VOICE • Scan receipts, bills, barcodes, UPI QR codes, salary slips, and bank or UPI screenshots. Axio Money reads them and adds the expense or income for you. • Just say it: "Spent 450 on groceries at DMart yesterday." Voice entry picks up the amount, merchant, date, category, and whether it is income or an expense. • Every entry saves with Undo and Edit. If an amount is unclear, it opens pre-filled for a quick check instead of guessing. • Scan and Voice are Pro features and use on-device Apple Intelligence (see Requirements). TRACK EXPENSES & INCOME • Quick entry for daily spending and income • Categories with icons and colors, plus your own custom ones • Notes and tags on every transaction • Search, filter by category, account, and date, and sort by amount, date, or title • 40+ currencies, 21 languages, Light and Dark appearance WALLETS & ACCOUNTS • Keep Cash, Bank, Credit Card, and Digital Wallet balances separate • Balances update automatically from your transactions • Lock any account behind Face ID to hide its transactions until you unlock it BUDGETS & GOALS • Monthly budgets by category with alerts as you near or pass a limit • Set a financial goal and watch your progress • Optional daily reminder to log your spending INSIGHTS & ANALYTICS • Spending trends and category breakdowns • Income vs. expense and savings rate • Weekly, monthly, and yearly views, a calendar view, and shareable monthly reports AXIE AI • Ask about your spending and get summaries and insights • Runs on-device with Apple Intelligence. No servers, no cloud processing. QUICK ADD EVERYWHERE • Home Screen and Lock Screen widgets for spending, income, budgets, and top categories • Back Tap, Siri, Shortcuts, and the Action Button to log without opening the app MAKE IT YOURS • A refined set of color themes, with premium themes in Pro • The Home Screen icon can match your theme • Custom profile name and avatar EXPORT • Export to CSV, JSON, PDF, Markdown, or Text • Delete all your data any time from Settings PERMISSIONS (ALL OPTIONAL, ASKED ONLY WHEN YOU USE THE FEATURE) • Camera: scan receipts and bills, processed on your device • Photos picker: only the images you choose are read • Microphone & Speech Recognition: add transactions by voice • Face ID: unlock locked accounts • Notifications: budget alerts and daily reminders • Tracking: helps us measure app performance; declining changes nothing No access to location, contacts, calendars, or health data. PRIVACY Your transactions, accounts, budgets, and goals never leave your device. We collect only anonymous usage and crash data (Firebase) to improve the app. No ads, and we never sell your data. REQUIREMENTS Axie AI, Scan, and Voice need an Apple Intelligence-capable iPhone (iPhone 15 Pro or newer) on iOS 26 or later, and are hidden on devices that don't support them. Everything else works on every supported device. PREMIUM Free to start. Axio Money Pro unlocks unlimited transactions, Scan, Voice, premium themes, and more, as a weekly, monthly, or yearly auto-renewing subscription or a one-time lifetime purchase. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel in Settings > Apple Account > Subscriptions. Privacy Policy: https://sajidkhokhar.github.io/sajidkhokharapps/expense-tracker/privacy-policy Terms of Use: https://sajidkhokhar.github.io/sajidkhokharapps/expense-tracker/terms-and-use Apple EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula Questions or feedback? support.sajidapps@gmail.com