axio: Expense Tracker & Budget

213K reviews
Content rating
Rated for 3+
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

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

Ratings and reviews

212K reviews
May 24, 2024
Overall experience is good. But it still involves manual management that could be automated. Some recommendations are 1. If the user wants to change the merchant name, search and suggest names from Google maps. 2. Give the user an option to correct the Google map location for each spend. Currently I belive it is auto fetched and read only. 3. Easy and quick interface for daily, monthly and yearly spends 4. Based on the Google map location, a field can show the city name as well
8 people found this review helpful
Did you find this helpful?
Pavan Kumar
February 22, 2024
It used to be good It was much easier to use. With the updates, while the aesthetics got better, functionality took a beating down. As an example, if you want to change a category for a transaction, you can't search for it, you have to scroll and select among all your categories. Another gripe for me is, there is no way you can split a transaction in multiple categories. Eg: if you spend on a transaction on amazon or in a super store across many categories , there is noway you can split that.
27 people found this review helpful
Did you find this helpful?
Axio Digital Pvt. Ltd.
February 22, 2024
Hi Pavan, We regret that your experience with us was not positive. Request you to share the details of your issue in form below so that it can be resolved on priority. Regards, Team axio
A Google user
February 21, 2024
Hands down ....the best app to track your expenses. Set and forget does the rest. 2023 Update: The new interface is too complicated and chaotic. The app is missing many sms entries now. Even the 'report undetected sms' option isn't fixing the issue. Since it cannot detect sms from a major bank, the app is now useless to me.
6 people found this review helpful
Did you find this helpful?
Axio Digital Pvt. Ltd.
February 22, 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

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.