axio: Expense Tracker & Budget

211K reviews
Content rating
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About this app

axio App is an SMS-based money management app. Managing money and tracking expenses just got simpler with the axio personal finance management app! With our Money Manager’s expense tracker feature, tracking expenses becomes effortless. You can plan your budget, monitor your daily expenses, monthly expenses, stay on top of all your bills, and receive timely payment reminders, all conveniently accessible in one place!

With axio Money Manager - your personal money management app, the best expense tracker and a handy personal finance app, you don't need to manually enter your expenses. Tracking expenses automatically, it monitors your financial activities and provides a clear breakdown of your expenses and bill reminders.

Money Manager’s top features include:

✨With the expense tracker, you can keep close track of your personal monthly and daily expenses including your credit card dues
✨See all daily expenses at a glance - from Bank Accounts, Credit Cards, Digital Wallets, Sodexo, etc.
✨Check bank balances
✨Check all your utility bills such as electricity, DTH, Gas, Mobile, & Wi-Fi
✨Keep track of train tickets, cab, movie, event bookings, & more
✨With the expense tracker make custom categories to track expenses & quickly add cash spent
✨Add notes, tags, & bill/receipt photos to transactions
✨Easily search for expenses, tags, or notes

With the axio app you gain exclusive access to:

axio Pay Later

Experience a seamless credit facility on the axio personal finance app that empowers your personal growth. With our carefully designed Checkout Finance feature, you can enjoy the convenience of flexible EMIs ranging from 3 to 36 months*.

>Hassle-free credit
>Available at over 4000+ online merchants
>No-cost EMIs*

axio Personal Loan

Eligible users can apply and avail Personal Loan from the axio App.

axio Fixed Deposit

Give your savings a boost by investing in a Fixed Deposit on the axio App

>Higher Interest Rate
>RBI Regulated and DICGC Insured
>Flexible Tenures and Zero premature Withdrawal


*Interest rates for axio loans start from as low as 14% & go up to 35% per annum for a tenure ranging 06 to 36 months. A processing fee of upto 2%(+GST) is also applicable on each disbursal.

A representative example: If you take a loan of Rs. 1 Lakh (Principal) at an annual interest rate of 15% (APR) for a tenure of 24 months - your EMI will be around Rs. 4,849 & the processing fee would be Rs. 2,000(+360). Total cost of the Loan would be Rs.1,18,728

About axio

Credit offered by Axio Digital Pvt. Ltd. (formerly known as Thumbworks Technologies Pvt. Ltd.) on the axio app is facilitated by RBI-registered NBFC CapFloat Financial Services Private Limited.

Axio Digital Pvt. Ltd. does not involve itself directly in any money lending activities and only facilitates money lending by providing a digital platform to registered Non-Banking Financial Companies (NBFCs) or banks or via co-lending arrangements.

axio (formerly known as Capital Float, Walnut & Walnut 369) is the brand name of CapFloat Financial Services Private Limited, an NBFC registered with the RBI.

CapFloat Financial Services Private Limited is one of the founding members of the Digital Lenders Association of India (DLAI), an organization dedicated to promoting fair lending practices within the country. You can access DLAI's Code of Conduct by visiting the following link:

axio App provides SMS-based money management, and access to financial products like Checkout Finance, Personal Loans, and Fixed Deposits.. It does not read your personal SMSs or upload any sensitive data.

For more info, please write to us at or refer to
Updated on
May 8, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

210K reviews
A Google user
March 30, 2024
No option to select multiple data for deletion. I have to delete old data one by one and its tiring and irritating. Looks like app want to keep data and discourage user from deleting them. There should be option to select data in bulk or select a whole month and delete them. This is the only reason i gave it 1 star otherwise the app is very helpful. I explained in detail still developers says they want to know bit more about the issue. Stupid reply.
2 people found this review helpful
Axio Digital Pvt. Ltd.
March 30, 2024
Dear User, This is not the experience we want you to have with axio. We request you to help with details of the issue so that it can be addressed on priority. Please fill in the form here Regards, Team axio
Vaibhav Gade
May 7, 2024
Overall application is very good and I have been using this since last 2 years. I just found one error while using the app and trying to link the refund. Once I link refund, then I am not able to delete or update the linked transaction. I have to delete the whole transaction and need to enter the details manually. I hope you rectify the problem on priority and give users good UX. Thanks
2 people found this review helpful
Jayne Emina
May 9, 2024
Using it for more than 3 years and it is simple and definitely could be better. Automatically categorizes sms... Calender view with weekly monthly, yearly expense spread over a Calender like layout would be amazing. Search should be improved with more options like search within a category, or tag, etc... option to customize and reorganize the home page would be amazing, cuz otherwise looks so messy and cramped up!
Axio Digital Pvt. Ltd.
June 12, 2022
We highly regret the inconvenience. However, we could not understand the exact problem. Please shoot us a message at with relevant details. We'll be more than happy to assist you.

What's new

⦿ Introducing Fixed Deposit Investment:
Now, easily invest in FDs with axio App. Enjoy competitive interest rates and flexible terms for smarter savings.

⦿ Revamped Splits (earlier Groups) Feature:
New Look, Enhanced Ease: Splitting expenses with friends and family is now simpler and more intuitive with our updated Split feature.