Walnut alternative — without handing over SMS access
Walnut was one of India's most-downloaded expense trackers, built by reading your bank SMS automatically. It no longer exists as an independent app — it was merged into Axio (formerly Capital Float) years ago.
Try PaisaProof insteadIf you're looking for Walnut, it isn't a separate app anymore — it was folded into Axio. The thing people liked about Walnut (automatic tracking, no manual entry) is still here on PaisaProof, but without SMS access and without the lending products Axio built on top of it.
| PaisaProof | Walnut | |
|---|---|---|
| Needs SMS permission | No | Yes (Walnut's original model) |
| Still an independent app | N/A | No — merged into Axio |
| Automatic, no manual entry | Yes | Yes |
| Detection runs | On-device | Server-side (SMS synced) |
| Platform | Android | Android, iOS (as Axio) |
Why switch
- Get the "it just works, no manual entry" feel Walnut was known for, without granting SMS access.
- PaisaProof isn't being folded into a lending platform — it does one job.
- On-device detection means your spend data isn't synced to a server to be tracked.
Frequently Asked
Can I still download the original Walnut app?
No — Walnut, Capital Float and Walnut 369 were unified into a single app called Axio. Searching for Walnut today will lead you to Axio.
What made Walnut different from other trackers?
It read your bank SMS automatically, so you never had to log expenses by hand. PaisaProof keeps that automatic, no-manual-entry experience but through on-device UPI debit notifications instead of SMS permission.
Why avoid SMS-reading apps?
SMS access on Android is a broad permission — it can read any message, not just bank alerts. PaisaProof uses the more specific notification-access permission and processes it on-device instead of syncing it to a server.