axio: Expense Tracker & BNPL

194K reviews
Content rating
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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.

We’ve unified Walnut, Capital Float & 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 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 1,18,728

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
Sep 22, 2023

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

194K reviews
Vinay Rathod
September 27, 2023
Great App I love the budgeting feature, especially the category system. Allowing me not just to set a watch and budget on my total spends but also on individual categories One feature request: It's a very small tweak Could you show me the total of the category budget system. I mean you allow me to set an overall budget manually, which is perfect. But while putting budgets on individual category, if you could show me their total in the setup page, I would know what extra I have for the month.
Ashutosh Anand
September 24, 2023
Update 2 : Fonts are too small while editing amount or paid to... No proper testing of app was done before releasing Update : Recent update has fixed most of the bugs but there are still some issues example when you switch to voice typing in notes, it hides voice typing option and you have click again to enable voice typing. Little irritating -------- Lots of bugs in recent update. UI is good however when I try to update notes, I am unable write beyone one word...keyboard keeps on closing :(
Axio Digital Pvt. Ltd.
September 20, 2023
Hello Ashutosh, thank you for bringing this to our notice. Please share your details here so that we can get in touch with you - Regards, Team axio
Talented Titan
September 27, 2023
Didn't like the new update, now in trends i couldn't see previous months spends and income together to compare, now they have just that I don't need. Also some transaction categorisation into expenses and income is not working. Also, when I click on some certain transaction, the apps stops working and keeps crashing on clicking that transaction.
Axio Digital Pvt. Ltd.
September 29, 2023
Dear User, thank you for bringing this to our notice. Please share your details here so that we can get in touch with you - Regards, Team axio

What's new

⦿ CSV & PDF export of Transaction Statement via Email
We heard you and brought back CSV Export of Transaction Statement.

⦿ axio Pay Later Dashboard
A smoother and intuitive experience to manage your axio Pay Later line and purchases.

⦿ Fresh look for Money Manager
We are rolling out a new look to Money Manager in phases, please stay tuned
and share your feedback with us.

⦿ Bug Fixes and Improvements