Facts checked on 2026-09-19 from the live store listings and websites listed under Sources. Store prices are the India storefront labels exactly as shown. We make Expense Tracker, so read this as the maker's comparison — the places where Walnut (now axio) is better are listed first.
If you want spends to appear automatically from your bank SMS and are comfortable with an app that also sells credit, axio (the old Walnut) does that for free. If you would rather type each entry and keep your SMS and data private, with no lending upsell, Expense Tracker is the alternative.
| axio: Income & Expense Tracker | Expense Tracker: Income Manager | |
|---|---|---|
| Developer | Axio Digital Pvt. Ltd. The listing says axio was "formerly known as Capital Float, Walnut & Walnut 369"[1][2] | Sharpen Solutions (Gurjeet Singh), independent developer[3][4] |
| Platforms | Android confirmed. The website says it is on the App Store too, but an India App Store search found no axio app from Axio Digital, so iOS is unverified[1][2] | Android and iOS. No web or desktop app[3][4] |
| Free version | Free; Google Play shows no in-app purchases[1] | Unlimited income and expense entries; 2 accounts, 2 category budgets, 1 savings goal, 1 loan/EMI, 1 split group, 2 custom categories, 2 recurring bills, 1 trip budget. No time limit |
| Paid plans | No paid tracker plan listed. The app also offers loans, pay-later and fixed deposits (loan APR "14% & go up to 35%")[1] | Pro: ₹29 a month, ₹299 a year (14-day free trial) or ₹699 once for lifetime. Google Play India lists in-app purchases at ₹30.00 – ₹700.00 per item[3] |
| Automatic bank sync | Not published | No. There is no bank connection of any kind. Pro can import a bank-statement CSV file |
| SMS-based auto-tracking | Yes — described as "an SMS-based money management app" that analyses transactional SMS to detect spends[1] | Does not read your SMS inbox (no SMS permission). Pro can parse a bank SMS or UPI message you copy or paste, on the phone |
| Account / sign-in | Not published | None. No sign-up, no login |
| Ads in the free version | No "Contains ads" label on Google Play[1] | No ads on any plan[3] |
| Backup & sync | Not published | Manual: JSON backup and restore, CSV export of transactions. No cloud sync between devices |
| Google Play installs | 1Cr+[1] | 100+[3] |
| Data safety (Play) | Google Play data safety: the app "may share" Location and Personal info with third parties[1] | Google Play data safety: "No data shared with third parties"; the app "may collect" Financial info and Device or other IDs[3] |
"Not published" means we could not find the fact on the developer's own listing or website on 2026-09-19. It does not mean the feature is missing. Our own facts come from the app's source code; entries without a citation are from there.
Export your history from Walnut (now axio) first and keep the file. Expense Tracker starts empty: there is no importer built for Walnut (now axio)'s backup format. The Pro CSV import is designed for bank-statement exports; a spreadsheet from another app may work if it has date, description and amount columns, but we have not tested Walnut (now axio)'s export. Most people simply start fresh on the 1st of a month and keep the old app for reference.
Walnut is now axio. The same Google Play package (com.daamitt.walnut.app) is listed as "axio: Income & Expense Tracker" by Axio Digital Pvt. Ltd., which says it was formerly known as Capital Float, Walnut and Walnut 369 (checked 19 September 2026).
Yes. Its Play listing describes it as an SMS-based money management app that analyses transactional SMS to detect spends.
Expense Tracker: Income Manager has no SMS permission. You enter spends yourself, or copy a bank SMS or UPI message and let the Pro parser read it on the phone.
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Expense Tracker: Income Manager is free on Android and iOS, with no account and no ads. See what it does or read what an expense and income manager should do.