the spenco blog
Product updates, engineering notes, and what we learn building a prediction-first personal finance app for India.
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What happened to Walnut? It became axio — and what to use if you want something different
Walnut, the SMS expense tracker, is now axio, a tracker with loans and FDs alongside. The real timeline, and how to choose an alternative in 2026.
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Expense tracker apps that don't read your SMS
What the SMS permission actually exposes, and three real alternatives for an expense tracker without SMS permission in India, trade-offs included.
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Spenco AI in one minute: your month-end balance, predicted
A one-minute video tour of Spenco AI — every transaction sorted automatically, rent, EMIs and SIPs seen before they are due, and your month-end balance forecast while there is still time to act on it.
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Getting started: pipe your bank alert emails into Spenco
A step-by-step guide to setting up Gmail forwarding so your bank and card alerts flow into Spenco automatically — one filter, your rules, no SMS permission, no Account Aggregator.
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Ask your money anything: AI chat is here
Spenco now has AI chat — interrogate your own spending in plain language. Top merchants, creeping subscriptions, spending patterns: answers computed live from your real transactions, in INR.
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Introducing Spenco
Spenco is a prediction-first personal finance app for India. Instead of telling you where your money went, it tells you where it is going.
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