axio: Expense Tracker & BNPL

Axio Digital Pvt. Ltd.

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
✅ KEEP CLOSE TRACK OF YOUR PERSONAL EXPENSES & CREDIT CARD DUES with the Money Manager
✅ See all expenses at a glance - 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, 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 [e-mail] or refer to https://axio.co.in/

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. https://axio.co.in/corporate-information/

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 -https://www.dlai.in/dlai-code-of-conduct/

Ratings and reviews

Reducing my rating by 2 stars. Earlier they had different names and was working superb. Things have changed now. I had a problem with categorisation, i click chat with us button in the app. He gave irrelevant information and stopped the conversation by telling, this is a wrong platform for this issue. Support has become pathetic.

Everything is fine . But i am giving it one star as in previously we were able to export report in csv format , which was useful to further to analyse data. But now we can only export in pdf format which is not so effective in terms of understanding data. So hope they bring back the feature to export as csv.

It was good when it was walnut, now it's the shittiest app to exist. UI is terrible, it asks mandatory permission to all you sms messages which is a major privacy concern. No option for inter currency calculations. Honestly Splitwise is a way better option now.

What's new

- Personal Loan Dashboard
- Option to report undetected transaction sms
- Chat support
- Preference to set Money Manager as default launch screen
- Bug fixes & improvements