Fold

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 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

- 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.