axio: Expense Tracker & Budget

3.8
241K reviews
10M+
Downloads
Content rating
Everyone
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About this app

axio App is an SMS-based money management app that makes managing money and tracking expenses simpler than ever. With our personal finance management app’s expense tracker feature, you can effortlessly track daily and monthly expenses, plan your budget, stay on top of all your bills, and receive timely payment reminders. Plus, axio now supports booking Fixed Deposits without requiring a bank account. Invest in fixed deposits online in under 3 minutes with a completely paperless process backed by the security of on device SMS based verification

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:


✨Keep a 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
✨Add notes, custom categories, 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


With our carefully designed Checkout Finance 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 Personal Loan


Eligible users can apply and avail Personal Loan from the axio App.


axio Fixed Deposit


Give your savings a boost by investing in a Fixed Deposit on the axio App

>Higher Interest Rate
>RBI Regulated and DICGC Insured
>Flexible Tenures and Zero premature Withdrawal


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. 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 ask@axio.co.in or refer to https://axio.co.in/about-us/
Updated on
Jun 26, 2025

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.
This app may share these data types with third parties
Location and Personal info
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.8
240K reviews
Gufran Ansari
June 15, 2025
Overall everything in the app is perfect. Although i have a quick suggestion. Suggestion: When we're adding dues and reminders, please add a custom field for months as well. Let's say i selected a plan for 2 months or 3 months so for that we need a custom field where i can add a reminder for every 2 months or 3 months or so. Thanks
7 people found this review helpful
Shivanshu Tyagi
May 27, 2025
Issues have been fixed but I lost all my previous data due to reinstalling the app in an attempt to fix the issue encountered . would be great if I can get that data
17 people found this review helpful
Axio Digital Pvt. Ltd.
May 27, 2025
Dear Shivanshu, we've fixed the highlighted issue in the latest released version. Please update and relaunch the app to apply the fix. We apologise for the inconvenience caused and would really appreciate if you could consider updating your rating if the issue has been resolved. Regards, Team axio
prem dhage
March 4, 2025
hey guys, I started using this app and it's great. 2 feedback point which you should work upon: 1) make it easier and intuitive to go to the previous month. maybe one-click filter on the homepage. 2) make the expenses selectable across categories and once I select them, show me the total & average of the selection
1 person found this review helpful
Axio Digital Pvt. Ltd.
March 4, 2025
Hello Prem, We'd like to understand a bit more about the issues you've been having. Please share your details here so that we can get in touch with you - https://axio.co/resolve Regards, Team axio