Fold vs SplitWit

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.

Share costs. Not the stress. Whether you're planning a trip, splitting rent with roommates, managing household expenses, or keeping track of everyday spending with friends, SplitWit makes sharing expenses effortless. Create groups, add expenses in seconds, and always know who owes what. With flexible splitting methods, smart settlements, receipt scanning, beautiful analytics, and support for over 160 currencies, SplitWit helps every group stay organized from the first expense to the final settlement. Designed for every group • Trips & vacations • Roommates • Couples • Families • Friends • Clubs & events • Everyday shared expenses Split expenses your way Choose the method that fits your situation: • Equal split • Exact amounts • Percentages • Shares (weighted) • Adjustable splits • Itemized expenses Whether you're splitting dinner, groceries, rent, fuel, or an entire vacation, SplitWit adapts to your needs. Powerful features • Smart debt simplification for fewer settlements • Beautiful spending insights and analytics • Scan receipts with on-device AI* • Multi-currency support with live exchange rates and custom group rates • Expense auto-categorization • Secure password-less sign-in • Invite friends with a simple link • Export expenses and settlements • Works beautifully on iPhone and iPad *Receipt scanning uses on-device processing on supported devices for enhanced privacy. Built with privacy in mind Your financial information belongs to you. Receipt scanning happens entirely on your device, and most calculations are performed locally for fast, reliable performance while keeping your data private. Download SplitWit today and make every shared expense simple.