Walnut app alternatives: what to use instead

What happened to Walnut

Walnut was folded into axio, which describes itself as "formerly known as Capital Float, Walnut & Walnut 369". A personal finance manager is still in there, but it now sits alongside Buy Now Pay Later and personal loans, and the app is built around those. If what you wanted was the tracker on its own, without credit products attached, it is worth looking at what else does it.

Splitkaro

That’s us

The automatic SMS tracking Walnut was loved for

Reads the bank and UPI debit alerts you already get, parsed on your device
Share a UPI payment into the app and the amount and description fill in
PDF statement import, including password-protected ones
Splits shared bills too, which Walnut never did
Set a recurring expense once and it is created for you every month
Free unlimited expenses and free overall analytics

No budgets by week or month yet
No multiple currencies, and no web app beyond view-only shared links
Custom categories and expense search are Premium; UPI-share is limited on Free
Needs an account

axio

Staying where your Walnut history went

The direct continuation of Walnut, from the same company
Expense tracking and categorisation still included
Buy Now Pay Later and personal loans, if you want them

Built around lending now, with the tracker as one part of it
You take the credit products alongside the money manager

Money Manager

A full personal ledger with real budgets

Automatic double-entry bookkeeping across multiple accounts
Budgets by week, month and year
Multiple currencies, and a PC view over Wi-Fi

Everything is typed in, nothing arrives on its own
No splitting or shared groups at all

Money Manager vs Splitkaro, in detail

Monefy

Fast manual entry, on your own cloud

A spend recorded in two taps
Backs up to your own Google Drive or Dropbox
150+ currencies, converted automatically

Statements import manually, with no bank login
No splitting or shared groups
Recurring transactions are premium

Monefy vs Splitkaro, in detail

Which one should you actually pick?

Closest to what Walnut didSplitkaroIt reads bank and UPI SMS on your device, which was the whole reason people used Walnut.

If you want to stay putaxioIt is the same company and the same lineage, as long as you are comfortable with a lending app.

If you want budgets and booksMoney ManagerProper double-entry with weekly and monthly budgets, which Splitkaro does not do yet.

If you want your data on your own cloudMonefyIt backs up to your Google Drive or Dropbox rather than to a company’s servers.

Questions, answered

What happened to the Walnut app?

It became axio. The company describes itself as "formerly known as Capital Float, Walnut & Walnut 369", and the app now leads with Buy Now Pay Later and personal loans, with a personal finance manager inside it.

Which app reads bank SMS like Walnut did?

Splitkaro does, on Android and on iOS through the Shortcuts app. The debit alerts your bank already sends are parsed on your device, so nothing is forwarded anywhere and most expenses appear without being typed in.

Is there a free Walnut alternative?

Splitkaro is free for unlimited expenses with free overall analytics. Money Manager and Monefy both have usable free tiers too, though neither imports anything automatically.

Can I get my Walnut data out?

That is a question for axio, since they hold it. Splitkaro can take a PDF bank or card statement, including password-protected ones, which is usually the fastest way to rebuild a spending history in a new app.

Walnut is now axio. Here is what else tracks your spending.

The short answer