Depto Flow
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Walnut auto-tracks by scanning your transactional SMS feeds and frequently advertises credit loans or BNPL limits. Depto Flow gives you a clean local sandbox—100% ad-free, private, and offline.
● 100% Privacy Lock
Total Limit: ₹60,000
Sharma Groceries
Manual cash entry
Tea & Snacks
Chai Tapri cash
Ola Cab Fare
Log via cash
Walnut was once a popular tracker, but its transition to heavy advertising and automated SMS log scraping has left many users searching for a cleaner, safer, local-first alternative.
| Feature | Walnut (by Capital Float / Axio) | Depto Flow (Local-First) |
|---|---|---|
| SMS Reading Permissions | Mandatory (Reads transactional texts & alerts) | Zero Permissions (100% Secure) |
| Credit / Loan Advertisements | Frequent (Push notices for personal loans & BNPL) | 100% Ad-Free (Zero loan push banners) |
| Database Privacy | Uploaded (Stored on corporate servers) | Local (Locked securely in phone's SQLite sandbox) |
| Internet Dependency | Required (Requires connectivity to parse & categorise) | None (Works flawlessly offline) |
| Google Drive Data Sync | No (Must use their proprietary cloud accounts) | Yes (Encrypted copies directly to your own Drive) |
| Integrated Split & Udhari | Basic / Outdated splits | Advanced (Integrated credit debit & group bill splitter) |
Check the features that are important to you. The interactive auditor widget calculates your compatibility index and recommendation for transitioning to an offline-first manual setup.
Automated tracking makes spending invisible. Manual entry forces active awareness, helping you identify leakages immediately instead of reviewing them at the end of the month.
We believe your private ledger is sacred. That's why Depto Flow stands out as a local-first money manager with a custom security architecture.
We never request permissions to read your inbox. Other apps read SMS messages, exposing private banking feeds and bank balances to corporate servers. Depto Flow uses manual entries.
Transactions are written directly to a secure SQLite database file in your device's memory. The app operates fully offline, meaning you don't even need internet to track cash.
Easily link your personal Google Drive to backup your SQLite database. Backups are encrypted before export, meaning only you hold the keys to unlock your financial history.
Yes. Depto Flow supports importing financial logs from generic formats. You can export your old Walnut transactions to a CSV format and import them directly into Depto Flow's SQLite database to continue your tracking timeline.
No. Depto Flow does not read transactional SMS alerts or link to your bank accounts. It operates as a manual cash book ledger. This protects your private security tokens (like OTPs) and encourages structural discipline.
Depto Flow links to your personal Google Drive account. When a backup is initiated, it packages your database into an encrypted snapshot and uploads it directly to your private app directory. We have no visibility or keys to your backup.
Yes. Depto Flow has zero ads, video banners, or locking paywalls. Managing money should be simple, private, and free from intrusive corporate lending pushes.
Stop letting corporate apps scrape your SMS alerts and push credit offers. Take control of your money privately with Depto Flow.