Compare what Pro unlocks.

The free plan covers everyday budgeting: expense tracking, budget planning, savings goals, a subscriptions and loans tracker, and reports with charts. It is offline-first, so it works without a connection and syncs when you reconnect. The AI assistant gets 10 requests a month: a typed message, a voice message or a receipt photo each uses one. Free has caps: 3 accounts, 3 budgets, 3 goals, 3 subscriptions, 90 days of transaction history and 30 days of reports.

Pro keeps everything in Free and removes its caps: accounts, budgets, goals and subscriptions are no longer limited to 3 each, and transaction history and reports no longer stop at 90 and 30 days. The AI assistant has no monthly limit, and you can scan up to 5 receipts at once. Pro also adds what Free does not include at all: creating a family group for up to six people, multi-currency and Opportunities.

Pro alone includes the AI assistant without a monthly limit, for chat, voice and receipt photos alike; scanning up to 5 receipts at once; creating a family group, whose invited members do not need Pro of their own; multi-currency, with 47 currencies converted automatically; Opportunities, which point out overpayments and spending increases; and smart insights with anomaly detection and predictions. Everything else on the free list stays free, including 10 AI requests a month.

Pro is sold through the App Store and Google Play, and both stores price subscriptions by country and currency, so the same plan costs different amounts in different countries. A single figure on this page would be wrong for most readers. The app shows the exact price for your country, together with the subscription terms, before you confirm the purchase.

Yes. Pro is available as a monthly plan and as a yearly plan. Monthly suits you if you want Pro for a short time or are still deciding; yearly suits you if you already know you will keep using it. The price of each option for your country, and its subscription terms, appear in the app before you subscribe.

Yes. A 3-day Pro trial is available in the app on iPhone and Android, so you can use the unlimited AI assistant, scan several receipts at once, create a family group and try Opportunities on your own expenses before you decide. The trial's terms are shown in the app before you start it. You do not need a trial to use Lumy: the free plan works on its own.

Pro is billed through the App Store or Google Play, so you cancel it there, not inside Lumy: open the subscriptions section of the store account you paid with, choose Lumy and cancel. You can cancel anytime. Deleting the app does not cancel the subscription. Refunds are handled by the App Store or Google Play under their own rules.

No, on either plan. Lumy has no bank connection and uses no bank aggregator, so it never asks for or stores your banking credentials. You add expenses yourself, on Free and Pro alike: by typing, in the AI chat, by voice or with a receipt scan. Pro is paid through your App Store or Google Play account, so you never enter card details in Lumy.