Folds Modifier is an easy-to-use, real-time solution to add cloth folds to your characters without heavy simulations. It is a geometry nodes setup based on maps, that you can draw or bake from hi-res model.

It is real-time. So that you don't have to wait for simulation to see the result:

It is based on texture maps, so you can draw your folds under full artistic control:

How to setup

Enable Rest Position in object data properties.

Then add two modifiers, FaceArea and Folds:

Textures are recommended to switch to non-color data mode. It is feasible only in shader editor at this moment. You can add texture node to any material and change mode here, then remove the nodes.