Looking for a Walnut alternative?

For years, Walnut was the answer when someone asked for an automatic expense tracker in India. It read your bank SMS, sorted your spends, and stayed out of the way. Then it changed.

Where Walnut went

Walnut was folded into axio, operated by CapFloat Financial Services, an RBI-registered NBFC. The expense tracker did not vanish, it lives inside axio. But the product's focus moved. axio is now built around money management plus pay-later and personal credit. The tracking is still there; it is just no longer the point.

That is a perfectly reasonable business. It is also a different deal than the one Walnut users signed up for. If you came for a quiet tool that showed you where your salary went, an app organised around extending you credit is a different relationship with your money.

What you probably actually want

Most people searching for a Walnut alternative are not asking for more features. They want the original promise back:

• See spending without effort.
• No upsell into loans or pay-later.
• Something that nudges the habit, not the credit line.

The honest alternative: FinTra

This is our app, so read it as a pitch. But the fit is direct. FinTra is not a lender and never will be. It is a financial discipline engine built on the same instinct Walnut started with: make tracking effortless, then make it mean something.

You set categories, log spending daily, and build a streak. On top of that sits the PULSE Score, a single number from 100 to 900 that grades your real behaviour with money across seven dimensions. It moves up when your discipline does, and nothing in the app benefits from you spending or borrowing more. See how the PULSE Score works.

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Walnut, then and now

If you want what Walnut became, axio is the continuation. If you want what Walnut was, FinTra is closer to the original idea, taken further.