Fold Money vs Splitify

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

Splitify makes it simple to split trip and group expenses with friends and see exactly who should pay whom. Add everyone sharing the bill, enter each expense with who paid and who it's split between, and Splitify keeps a running tally. The Settlement tab turns those balances into the fewest payments needed to square up — no awkward math at the end of the trip. FREE • One active group you can keep editing forever • Add unlimited friends and expenses • Manual equal splits, choose exactly who shares each item • Clear settlement summary — who owes what, and who pays whom • Share a settlement summary as a PDF • Sign in with Apple or Google SPLITIFY PREMIUM (one-time purchase) • Archive a finished group and keep it as trip history • Start a new active group without losing the old ones • Everything in Free PAY BACK DIRECTLY (India) Add a friend's UPI ID and tap "Pay via UPI" in the Settlement tab to open your UPI app with the amount already filled in. Your data stays private to your account. You can permanently delete your account and all data from inside the app at any time.