Walnut

28.3MB v8.7.5 Update Date：2025-12-13 Developer：Internet

budget

Download Apk

Walnut Application Screenshots

Walnut AI Editor's Review

Walnut is an SMS-based money management app that helps users track spending and manage finances via text messages. It simplifies budgeting and provides insights into spending habits without complex interfaces, making financial oversight accessible and straightforward.

Comprehensive Analysis

Walnut offers a unique approach to money management by using SMS to track expenses. It automatically categorizes spending based on text messages from banks and merchants. This simplicity makes it easy for users to get a quick overview of their financial situation. However, relying on SMS raises security questions, and the app's features are less comprehensive than those of traditional finance apps. The user experience is straightforward, but users should weigh the convenience against potential limitations.

Key Advantages

Simple SMS-based interface for easy tracking
Automatic expense categorization from text messages
Provides insights into spending habits and budget management

Areas for Improvement

Security concerns with SMS-based data transmission
Limited functionality compared to full-fledged finance apps

The description of Walnut

Site Editorial Commentary：No more month-end worries with India's #1 Automatic Expense Tracker

Walnut, now axio App, is a powerful SMS-based money management and personal finance app designed to simplify how you track expenses, manage your budget, and stay on top of your financial life.

With Walnut's (axio App) intuitive expense tracker, effortlessly monitor your daily and monthly spending, plan your budget effectively, and receive timely reminders for all your bills. Furthermore, axio now offers the convenience of booking Fixed Deposits without the need for a bank account. Invest in fixed deposits online in under 3 minutes through a completely paperless process, secured by on-device SMS-based verification.

Walnut (axio App) acts as your personal money manager, offering the best expense tracking capabilities. This handy personal finance app eliminates the need for manual expense entry. By automatically tracking your expenses, it monitors your financial activities and provides a clear and comprehensive breakdown of your spending habits, along with timely bill reminders.

Key features of Walnut (axio App) include:

✨ Easily track your personal monthly and daily expenses, including credit card dues.
✨ View all daily expenses at a glance, consolidating information from Bank Accounts, Credit Cards, Digital Wallets, Sodexo, and more.
✨ Check your bank balances directly within the app.
✨ Monitor all your utility bills, such as electriCity, DTH, Gas, Mobile, and Wi-Fi.
✨ Add notes, custom categories, tags, and bill/receipt photos to your transactions for better organization.
✨ Easily search for specific expenses, tags, or notes.

With Walnut (axio App), you also gain exclusive access to:

axio Pay Later:
Enjoy the convenience of flexible EMIs ranging from 3 to 36 months with our carefully designed Checkout Finance feature.

> Hassle-free credit options.
> Available at over 4000+ online merchants.
> Potential for no-cost EMIs.

axio Personal loan:
Eligible users can apply for and avail Personal Loans directly through the axio App.

axio Fixed Deposit:
Boost your savings by investing in a Fixed Deposit on the axio App.

> Benefit from potentially higher interest rates.
> investments are regulated by the RBI and insured by DICGC.
> Enjoy flexible tenures and the option of zero-penalty premature withDrawal.

▶ EMIs

*Interest rates for axio loans start from a competitive rate & go up to a maximum rate per annum for a tenure ranging 06 to 36 months. A processing fee is also applicable on each disbursal.

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

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

axio App provides SMS-based money management, and access to financial products like Checkout Finance, Personal Loans, and Fixed Deposits.. It does not read your personal SMSs or upload any sensitive data.

SMS Permission is used in the following features:
- Personal Loan: Fraud prevention and security
- Money Manager: Analysing transactional SMS messages, detecting spends, managing bills, and budgeting
- Fixed Deposit: SMS-based SIM-device binding to safeguard your investment journey

For more info, please write to us at [email protected] or refer to https://axio.co.in/about-us/