axio: Expense Tracker & BNPL

192K 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.

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
Dec 23, 2022

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
192K reviews
Renu Kshatriya
January 2, 2023
I have been using Walnut from 4 years and never thought of going for another app for tracking my expenses. This reads my SMS and categorize the expenses with minimal manual intervention. The graphical illustrations are very much impressive. The best part is the back up of the data, I had lost all my data as my Mobiles' motherboard had to be replaced,I had no hopes that this app is going to bring back all my expenses data. But this worked as a wonder and backed up all my data as soon as I login
11 people found this review helpful
Nishant Shukla
January 7, 2023
It was working amazing. I have been using it for past 3 years, but now its not automatically detecting transactions for last 3-4 days. I have to manually input all the transactions. Please fix it. I'll increase the starts to 5 again.
January 3, 2023
This is great app no doubts but just a small feature request. Can I create a family group in which every one can add their expenses and that family can see the spends view which is available for individual. The charts and the graphs. But the group must be of family. I am not talking about the the owe and get group. Just the group which can have people adding their expenses and can view the total expenses.
98 people found this review helpful

What's new

Preference to set Money Manager as your default launch screen
Bug Fixes & Improvements