Fold vs Pluto

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.

Pluto turns transaction receipts and payment alerts into a private financial memory on your iPhone or iPad. Start with a savings target and protect the parts of life you do not want to cut. Pluto builds a practical path from your own spending patterns, then keeps the useful work close at hand. Connect Gmail only when you choose to import. Pluto uses read-only access to find transaction-like receipts and payment alerts, extract merchant, amount, date, category, and receipt signals, and store the resulting records locally on your device. With Pluto you can: • Build a savings path around your preferences. • Ask focused questions about your own spending history. • Search chronological transactions and inspect their details. • Review uncertain imports and correct local rules. • Track reimbursement suggestions and confirm the amount you actually received. • See historical changes only when Pluto can trace them to your data. • Hide amounts with privacy mode or delete local data at any time. Pluto's recent 30-day ledger is included for the first 30 days with no payment required. Older Gmail history requires an active Pluto Access subscription. This complimentary access is not an App Store trial and never converts or charges on its own. If a user voluntarily subscribes during those 30 days, the paid term starts immediately after Apple confirms; the user may instead wait through the displayed end date. After 30 days, an active monthly, three-month, or yearly Pluto Access subscription is required to continue using the app; account, local-data, and help controls remain available. Gmail connection is always optional. Gmail data is used only to build your personal spending records. Pluto does not sell Gmail data, use it for advertising or creditworthiness, or train generalized AI models with it. Know your spend. Keep it yours. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/