Easy Hisab
Easy Hisab vs axio: which should you use in India?
The short answer: for tracking your own spending in India, Easy Hisab is the better pick over axio. A spend is one typed or spoken line in Hindi or English, a photo, a screenshot, or a bank statement PDF you choose to share; it never reads your SMS inbox, and it sells you no loans or credit. Easy Hisab is always free for unlimited entries, groups and people; you pay only for AI use beyond the free monthly allowance. It works completely offline, so a trek, a village visit or a flight still gets recorded and syncs later; only AI reading of photos and statements waits for a connection. axio is the better pick in one case: a hands-off log of your own card and UPI spends, if you are comfortable giving it SMS access and seeing its credit offers. We make Easy Hisab, so read the table and judge for yourself.
Easy Hisab and axio side by side
| As of October 2026 | Easy Hisab | axio |
|---|---|---|
| How you add an entry | One typed or spoken line in Hindi, English or Hinglish; a photo, screenshot or statement PDF; a form if you prefer | Reads bank and card SMS automatically; a form for cash |
| Reads receipts and screenshots | Yes: bills, UPI payment screenshots and WhatsApp messages (10 scans a month free, 150 on Pro) | Attach bill and receipt photos; nothing is read |
| Reads statement PDFs | Yes: bank and card statement PDFs, likely duplicates flagged (2 a month free, 10 on Pro) | No |
| Bulk save | Yes: five spends in one message, a stack of bills or a whole statement, reviewed once and saved in one tap | Card and UPI spends arrive one by one from SMS; cash is one form at a time |
| Works offline | Completely: add, split and see every balance with no signal; only AI reading waits for a connection | Not stated |
| Needs SMS access | No. Share or paste one bank message when you want that spend recorded | Yes: it analyses transactional SMS to detect spends |
| Sells loans or credit | No | Yes: pay-later EMIs of 3 to 36 months, personal loans at 14% to 35% a year, credit lines and fixed deposits |
| Free entry limit | Unlimited | Automatic, no cap |
| Groups limit | Unlimited groups and people | No groups or splits |
| UPI settlement | Opens any UPI app with the amount filled in, then records the payment | None for settling; it sends bill reminders |
| Friends off the app | Yes: their account works from your side alone, and you can send them a read-only link | No balances with other people |
| Hindi | Full Hindi interface; understands Hindi and Hinglish entries | Not advertised |
| Export | Spreadsheet export, free | Not advertised |
| Price | Free; Pro at ₹99/month or ₹899/year only raises the AI allowance | Free; the credit products pay for it |
axio facts are as published by axio as of October 2026 and change often: axio on Google Play, axio.co.in. Check the store listing before you decide.
Why Easy Hisab: adding the entry is the whole job
- Type it or say it. “350 chai”, “auto 120 cash” or “Ramesh ko 500 diye” becomes a full entry: amount, category, date and anyone involved. No form.
- Reads bills, screenshots and statements. Photograph a bill, pick a UPI screenshot, or hand over the bank statement PDF your bank emailed; a month of spending lands in one sitting.
- Never reads your SMS inbox, never sells a loan. Easy Hisab asks for no SMS permission. There is no pay-later, no credit offer and no fund to buy.
- Budget, categories and trends. This month against your budget, totals by category, the trend over past months, and a spreadsheet export.
- Works completely offline. Everything is saved on the phone first; it syncs when you are back. Only AI reading waits for a connection.
- Money between people in the same place. The dinner you paid for four is one entry: your share goes to your spending, the rest to each friend's account.
| Each month | Free | Pro (₹99/month or ₹899/year) |
|---|---|---|
| AI-parsed typed entries | 50 | 2,000 |
| Voice entries | 10 | 500 |
| Receipt and screenshot scans | 10 | 150 |
| Bank or card statement PDFs | 2 | 10 |
| Typed entries by hand, categories, budgets, reports, accounts with friends, UPI settlement, export | Unlimited | Unlimited |
Allowances as of October 2026; the app's Plan screen shows the current numbers.
What axio does better
- Nothing to type for card and UPI spends. Once it has SMS access, each card and UPI spend is logged without opening the app.
- Bills and balances. Utility bills, credit card dues and bank balances in one place, with reminders before they fall due.
- Budgets with alerts. Spending limits with timely alerts.
- Credit, if you want it. Pay-later EMIs at partner merchants, personal loans and fixed deposits sit in the same app.
How to move from axio
There is no import from axio, and you do not need one. Start from this month, not from the history.
- In Easy Hisab, set this month's budget.
- Pick last month's bank or card statement PDF to fill in recent spends in one sitting; two statements a month are free.
- If anyone has to pay you, or you have to pay someone, add one entry per person for that balance.
- From today, type or say each spend as it happens, or share a single bank message when you want it recorded.
- Once you stop using axio, remove its SMS permission in your phone's app settings.
Frequently asked questions
Is Easy Hisab better than axio?
For tracking your own spending without handing over your SMS inbox, yes: Easy Hisab records a spend from one typed or spoken line, reads bills, screenshots and bank statement PDFs, works in Hindi, and sells no loans or credit. axio is the better pick for a hands-off log of card and UPI spends, if you accept its SMS access and credit offers.
Does axio read my SMS?
Yes. axio's listing says its money manager analyses transactional SMS messages to detect spends, and it also uses SMS for loan fraud checks and fixed deposit SIM binding. Easy Hisab asks for no SMS permission; you share or paste one bank message only when you want that spend recorded.
Does axio sell loans?
Yes. As of October 2026 axio offers pay-later EMIs of 3 to 36 months, personal loans at 14% to 35% a year, credit lines and fixed deposits; axio, formerly Walnut, is the brand of an RBI-registered NBFC. Easy Hisab sells nothing but its own Pro plan, which only raises the AI allowance.
Can Easy Hisab track spends automatically without SMS?
Partly, from your statement. Once a month, pick the bank or card statement PDF your bank emailed; Easy Hisab reads every row, flags likely duplicates, and saves the ones you keep in one tap. Two statements a month are free and Pro allows ten.
Can I split a bill with friends in axio?
No. axio tracks your own accounts only. In Easy Hisab the dinner you paid for four is one entry: your share goes to your spending, the rest to each friend's account, and settlement opens your UPI app with the amount filled in.
What do I pay for in Easy Hisab?
Only extra AI use. Entries, groups, splits, accounts with friends, budgets, UPI settlement, offline and export are free with no limit, and stay free. The free plan includes a monthly allowance of AI-parsed entries (50 typed, 10 voice, 10 receipt or screenshot scans, 2 statement PDFs). Pro, at ₹99 a month or ₹899 a year, raises those to 2,000, 500, 150 and 10 and adds more photo space. When the allowance is used up you can still type entries by hand without limit.
More comparisons
Easy Hisab vs Money Manager · all head-to-head comparisons · the best expense management and personal finance apps in India.
Try Easy Hisab free
Type it, say it, scan it or import it. No entry limits, settle over UPI, English and Hindi.
On iPhone? The iOS app is in App Store review. Until then you can use Easy Hisab in the browser with the same number.
About this comparison: we build Easy Hisab, so this page is not neutral, and we have tried to make up for that by being specific. axio facts come from its own store listing, site and launch coverage as of October 2026. Found a mistake? Write to [email protected] and we will fix it.