The family budget,
finally simple.
Scan receipts. Ask the AI where your money went. See when prices creep up. Share budgets with your family. 12 languages, any currency.
Features
Built to be used
every day.
Track, budget, and plan — Lumy handles the rest.
Expense Tracking
Log any transaction in seconds — by category, account, or person.
Monthly Report
Smart Budgets
Set category limits. Get warned before you overspend.
Budget Progress
Savings Goals
Pick a target and a deadline. Watch your progress update automatically.
Goal Progress
Why Lumy
Built for clarity, not noise.
Honest tracking. Real answers. Privacy by design.
AI-Powered
Real answers. Not estimates.
Lumy reads your actual transactions before responding. Ask what's over budget — get your number.
Offline-First
Works offline, too.
Log transactions anywhere, no connection needed. Syncs automatically when you're back.
Privacy-First
No bank login. Ever.
You log transactions manually. No banking credentials, no third-party read access.
Family-Ready
Built for families, too.
Invite family with a code. Share budgets, or keep private accounts only you can see.
Simple Pricing
One plan. One price.
Track your money for free. Pro unlocks the AI, receipts, voice, family sharing, and price intelligence.
Everything you need to track your spending.
Get Started FreeIncluded
- Expense tracking
- Budget planning
- Savings goals
- Subscriptions & loans tracker
- Reports & charts
- Multi-currency & offline
- AI chat — 10 messages/month
- Voice, receipt scanning & price intelligence
or $59/year — save 38%
3-day free trial — no payment upfront
Everything in Free, plus:
- Unlimited AI financial assistant
- Natural language & voice logging
- Family sharing — private wallets, invite codes
- Receipt scanning — up to 5 at once
- Price intelligence — track every product price
- Smart insights, anomaly detection & predictions
Cancel anytime. Billed through the App Store or Google Play.
Common questions
Got questions?
Everything you need to know before you start. Still have questions? Reach out.
Yes. Lumy reads your actual transactions, budgets, and goals before responding. Every answer is based on what's in your account — not generic advice.
Yes. Type "I spent €42 on groceries" and Lumy logs it, categorizes it, and confirms. Or tap the mic and say it out loud — same result. Requires Pro.
Tap the camera icon in chat, take a photo of a receipt, and Lumy reads the amount and merchant. The transaction is logged automatically. Requires Pro — up to 5 attachments per message.
Every scanned receipt feeds a personal price history. Lumy spots when a product you buy regularly creeps up in price, surfaces anomalies right after a scan, and lets you compare prices across stores you actually shop at. No cross-user data — your prices, your history.
No. Lumy is a manual tracking app — you log transactions yourself. Your banking credentials are never shared or stored.
Yes. Lumy stores data locally on your device. Log transactions and check reports offline — everything syncs when you reconnect.
Yes. Create a family group and invite with a code. Members share the dashboard and budgets, or keep private accounts only they can see. Family sharing is a Pro feature.
A wide range. Set your preferred currency in settings — amounts convert and display automatically across the app.
Your data is stored on-device and synced to a cloud database with row-level security. Only your account can access your data.
On your device. Your AI chat history is saved locally, and receipt photos are stored locally too — they stay on your phone.
Yes. Lumy includes a data export option in Settings so you can download your transaction history. You can also import data if you're switching from another app.
Yes. Tracking, budgets, goals, and limited AI chat (10 messages a month) are all free. Pro ($7.99/month or $59/year) unlocks unlimited AI, voice, receipt scanning, family sharing, and price intelligence — with a 3-day free trial, no payment required upfront.