axio: Expense Tracker & BNPL

1.9L reviews
Content rating
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

About this app

Payments are now smarter with axio. Walnut 369 is now axio Pay Later. Shop at your favorite brands’ app or website and checkout with axio Pay Later to split your payments into 3, 6, or 9 installments, or Pay in full next month.

The best expense tracker app just got better. Walnut Money Manager is now axio Money Manager - your new financial growth partner to budget & track the finances with ease.

Add axio, add life.

Our journey started in 2014 with Walnut: your favorite SMS-based expense tracker & evolved with Walnut Prime & Walnut 369: enabling users to Pay Later at thousands of merchants. We’ve unified Capital Float, Walnut, & Walnut 369 to create one seamless brand experience for you - axio. We welcome you to the best personal finance & credit experience!

How & where can you use axio?

axio Money Manager:

Assess your finances & know how to make your money work for you with axio’s Money Manager’s all-in-one budget planner, expense tracker, credit card bill & other payment reminders. Track spends, credit & income, split expenses, get to know your bank account balances & plan your monthly budget, all from one single app!

axio Pay Later:

Use axio to access a seamless credit facility that helps you get what you want. With our well-curated Pay Later feature, you can buy what you want in easy EMIs of 3,6, or 9 months.

axio Shop:

Need to shop for headphones? Need furniture for your home? Looking for a comfortable mattress? Want to gift your loved one clothes or a watch? Want to book flight tickets on EMI? We have got you covered! Use axio Pay Later to shop from the best brands in every category. axio has partnered with brands like Boat, Spicejet, Titan, Wakefit, Skullcandy, Zebrs, Snitch, Ninety One Cycles & many more to give you the best shopping experience.

Features of the axio app:

✅ SHOP at TOP BRANDS using axio Pay Later & convert your purchases into easy EMIs over 3, 6, 9, or 12 months
✅ See all expenses at a glance - Bank Accounts, Credit Cards, Digital Wallets, Sodexo, etc.
✅ Check all your utility bills such as electricity, DTH, Gas, Mobile, & Wi-Fi
✅ Keep track of train, cab, movie, event bookings, & more
✅ 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

axio only analyses transactional SMS messages & detects spends, bills, & important information. axio does not read your personal SMSs or upload any sensitive data.

Easy EMIs:
Interest rates for personal loans start from as low as 15% & go up to 35% per annum for personal loans ranging from 12 to 36 months tenure. A processing fee of upto 2% is also applicable on each disbursal. For example, if you take a loan of Rs. 1 Lakh at an annual interest rate of 15% for a tenure of 24 months, your EMI will be around Rs. 4,947 & the processing fee would be Rs. 2,000.

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 (formerly known as Capital Float, Walnut & Walnut 369) is the brand name of CapFloat Financial Services Private Limited, an NBFC registered with the RBI. For more info, please write to us at or refer to

Axio Digital Pvt. Ltd. is not directly engaged in money lending activities & only provides a digital platform to facilitate money lending by registered Non-Banking Financial Companies (NBFCs) or banks or via co-lending arrangements.

CapFloat Financial Services Private Limited is a Founding Member of the Digital Lenders Association of India (DLAI), whose members strive to ensure fair lending practices in the country. DLAI's Code of Conduct can be found here -
Updated on

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 6 others
Data is encrypted in transit
You can request that data be deleted
1.9L reviews
Priyanka Majumdar
2 August 2022
Have been using the old walnut app since years! Overnight it was rebranded to Axio with a completely different UI with no prior intimation to the users. The UI doesn't seem as user friendly as the previous one and I don't feel comfortable at all with the dark theme. There is no option to change it to light theme. There isn't any "settings" option, which is a basic feature of every app. Please look into it urgently. There are numerous users who have posted reviews with the same issues.
218 people found this review helpful
Did you find this helpful?
Axio Digital Pvt. Ltd.
15 September 2022
Hello Priyanka, thank you for taking the time to share your feedback with us. We heard you and are truly sorry for the experience you’ve had. We will soon be releasing the light theme on the axio app. Stay tuned. - Team axio.
Viswa B
31 July 2022
Good app(Till Jan. 2022) for tracking monthly expenses. But, now it's not recording the spend, even though SMS is available for tracking. Previously, it take care of most of the expenses automatically. But, now it fail to detect so many SMS messages. Because of that, Missing lot of transactions. Even after rescan, it Fail to add.
112 people found this review helpful
Did you find this helpful?
Axio Digital Pvt. Ltd.
15 September 2022
Hello Viswa, we are really sorry for the inconvenience and we really appreciate for taking out time and giving your feedback. We would like to fix this. As we don't have your email address, can you please write to us at so that we can help you better. We look forward to your email.
Hemant Thakkar
23 September 2022
Was good till it was Walnut. New UI is bad and it misses many SMS's and one account completely which happens to be my main credit card account. No matter how many times I rescan it won't help. It ignores one main account and so was thinking of not using it anymore.
Did you find this helpful?