All features
Every Lumy feature, explained.
Track spending, plan budgets, set goals, and let AI handle the rest — no bank login required.
Core features
Everything included in Free
No credit card. No commitment. The full tracking experience, free.
Dashboard
Your financial picture, at a glance
See your total balance, income vs. expenses, and recent transactions the moment you open the app. No digging, no mental math.
- Balance across all accounts
- Income vs. expense at a glance
- Recent transactions instantly
Expense Tracking
Log it in seconds
Add a transaction with a category, amount, and note. Income or expense — Lumy keeps the record straight. Search, filter by date, or browse by family member.
- Smart auto-categorization
- Filter by date, member, or type
- Full search across all records
Smart Budgets
Set limits. Know when you're close.
Create category-based budgets for the week, month, or year. Lumy tracks your spending in real time and warns you before you overspend.
- Per-category spending limits
- Real-time progress tracking
- Alerts before you overspend
Savings Goals
Save toward something specific
Create a goal — a trip, an emergency fund, a purchase — set a target and a deadline. Track exactly how far you've come.
- Multiple goals in parallel
- Target amount and deadline
- Visual progress toward the finish line
Also included
Subscriptions & Loans
Never forget a recurring charge
Add subscriptions and recurring payments in one place. Track loans and credit balances with interest rates and payment schedules.
Reports
Understand your spending patterns
See expenses broken down by category, filter by date range, and compare income vs. spending. Visual charts, not spreadsheets.
Custom Categories
Organize your way
Create your own income and expense categories with custom icons and colors. Subcategories let you go as specific as you need.
Multi-Currency
Track in any currency
Select from a wide range of currencies. Amounts convert automatically so your totals always make sense.
Offline-First
Works with or without a connection
Lumy stores your data locally on device. Log transactions anywhere — everything syncs to the cloud when you're back online.
Family Sharing
Manage finances together
Create a family group and invite members with a code. Share budgets and the dashboard, or keep private accounts only you can see.
Lumy Pro
The AI assistant at the center.
Stop navigating. Start talking. Tell Lumy what happened with your money, ask what you want to know, and let it surface what you should probably be aware of.
Just type what happened
Natural language. No menus. Say "I paid €45 for groceries" and Lumy creates the transaction, picks the right category, and confirms — all in the chat.
- Reads receipts from photos
- Answers questions about your data
- Spots anomalies automatically
- Works in your language
Just say it
Natural language commands
Type "I spent €45 on groceries" and Lumy creates the transaction, picks the right category, and confirms. No tapping through menus.
“I paid €120 for electricity yesterday”
“Add a €15 Netflix subscription, monthly”
“Set a €400 grocery budget for this month”
Scan any receipt
Receipt scanning
Attach a photo of a receipt — up to five at once — and Lumy reads the amount, merchant, and date, then records it for you.
Speak instead of type
Voice input
Tap the mic, say what you spent, and Lumy transcribes and processes it. Fast for logging on the go without looking at a screen.
Answers, not guesses
Ask anything about your money
Lumy searches your actual transactions before responding — not generic tips. It tells you what you spent, where patterns appear, and what's changed.
“How much did I spend on food last month?”
“Which category is eating my budget?”
“Am I on track to hit my savings goal?”
Spots trouble before you do
Anomaly detection
After every response, Lumy scans for spend spikes, possible duplicate charges, unused subscriptions, and goals at risk of missing their deadline.
See what it did
Action cards
Every transaction, goal, or budget the AI creates appears as a tappable card in chat. Tap to preview and edit. Nothing happens invisibly.
Remembers what matters
Memory
Lumy stores facts you've shared — savings targets, spending concerns, financial goals — and references them in future conversations. No repeating yourself.
Works in your language
Multilingual & currency-aware
The assistant detects your app language and responds in it. It knows your preferred currency and formats all amounts accordingly.
$6.99/month or $59/year — 3-day free trial, no payment upfront
Try Pro FreeEarly access
Your finances, finally clear.
Sign up for early access. Free plan available at launch — no credit card required.
Join the Early Access List