axio: Expense Tracker & BNPL

2.05L 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 buy now pay later 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 Shop

Explore the best brands on the axio money management app. Purchase apparel, electronics, furniture or even travel on easy EMIs, all accessible at one place.

>Shop from a variety of categories
>Partners with over 4000+ brands
>Easy EMIs


*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 is an SMS-based money management app. axio App only analyses transactional SMS messages, detecting spends, bills, and important information. 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
31 Jan 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

2.04L reviews
22 February 2022
Awesome app! I wish I had this several years ago. It neatly collects expenses from all sources, credit card, UPI etc. It allows me to name billers (instead of paytm@xytrq i can name it as MyGrocer). It allows me to categorise each expense, so that I get a consolidated view of how much I am spending on groceries, medicines, restaurant etc. Pretty neat!
1 person found this review helpful
Pavan Kumar
22 February 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.
3 people found this review helpful
Axio Digital Pvt. Ltd.
22 February 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
Vinyas P K Krishna
7 February 2024
Recent update : reduced the rating to 1. They have been asking my bank statement for the last 3 days. And every time I update, they say the amount is going to be credited. But it s the same story. They have asked me to wait for 48 hours. PLEASE DO NOT EXPECT LOAN AMOUNT. I DO NOT RECOMMEND THIS APP. All details and documents uploaded and submitted 25 hours back. The amount has not been credited. And the customer care does not respond. There is no confirmation or amount transferred.
Axio Digital Pvt. Ltd.
7 February 2024
Hi Vinyas, apologies for the unpleasant experience you had with our services. Kindly share your details here so that we can get in touch with you. 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.