Comparison
A Walnut app alternative
Walnut is now called axio. It still tracks spending from your bank SMS, now alongside pay-later and credit products. If you want an expense tracker that works where you already chat, Xpensy logs every expense from a WhatsApp message, including cash and UPI payments that never send an SMS.
What happened to Walnut
In 2022 Walnut, Walnut 369 and Capital Float were brought together under one brand, axio. The Walnut expense tracker continues as the axio app, which reads bank and card SMS on your phone to track spends and also offers pay-later and credit. If you search for “Walnut app” today, axio is what you find.
How the two work
| axio (formerly Walnut) | Xpensy | |
|---|---|---|
| How spends are captured | Reads bank and card SMS | You send them on WhatsApp |
| Cash and UPI without an SMS | Not seen | Logged, e.g. "chai 20" |
| Access needed | SMS access on your phone | No SMS access, no app to install |
| Hindi and Hinglish messages | Not applicable (reads SMS) | Yes, e.g. "kal auto 80" |
| Credit and pay-later | Offered | Not offered; expense tracking only |
Based on axio’s public app listing as of November 2026. Check the listing for its current features.
Why people pick Xpensy
- Nothing to open. You log an expense in the WhatsApp chat you already use, in a few seconds.
- Cash counts. Chai, auto fares and splits with friends don’t send bank SMS, so SMS-based trackers miss them.
- Your messages stay yours. Xpensy never reads your SMS inbox.
- Summaries come to you. A daily recap, a Sunday summary and budget alerts at 50%, 80% and 100% arrive on WhatsApp.
When axio may suit you better
If you want spends recorded without typing anything, an SMS-based tracker like axio does that, as long as you are comfortable giving it SMS access. If you want a credit line or pay-later in the same app, Xpensy doesn’t offer one.
Switching to Xpensy
- Create a free account at app.xpensy.in and add your WhatsApp number.
- Send your first expense on WhatsApp, for example “lunch 180”.
- Set a monthly budget by asking in the chat, or on the dashboard.
There is no import from Walnut or axio, so Xpensy starts with what you log from today. See how to track expenses on WhatsApp for more examples.
Common questions
What happened to the Walnut app?
In 2022 Walnut, Walnut 369 and Capital Float were brought together under one brand, axio. The expense tracker continues as the axio app, alongside axio's pay-later and credit products.
Does Xpensy read my SMS like Walnut did?
No. Xpensy never reads your SMS or bank messages. You send each expense as a WhatsApp message, like "chai 20", and the AI saves and categorises it.
Can I import my Walnut or axio history into Xpensy?
Not at the moment. Xpensy starts from the expenses you log with it. You can add older expenses on the web dashboard if you want them in your reports.
Is Xpensy free?
Yes. The free plan has no time limit and needs no card: 30 WhatsApp expenses a month, unlimited expenses on the web and one budget. Premium is ₹99 a month or ₹799 a year, and new accounts get it free for 60 days.
Compare plans on the pricing page, or read the FAQ.