How to use Lumy, in short videos

Episode 1 · 1:48

Getting started: track spending three ways

New to Lumy? In under two minutes: read your Home screen, then log a purchase three ways: by hand, by telling Lumy in the chat, and by scanning a receipt.

• Home: your total balance, how much is safe to spend per day, and your wallets
• Add an expense by hand in three taps
• Just tell Lumy: “Coffee 4.50 at Starbucks, paid cash”
• Snap a receipt: the store, the total and every item are read for you
• Find everything later in Transactions

Episode 2 · 2:16

Ask Lumy in depth: the chat that does your bookkeeping

Everything about Ask Lumy: how it picks the wallet, one-tap questions, asking in your own words, voice and photos, and your chat history.

• Chat settings: ask which wallet first, the wallet picker, quick questions
• Let Lumy confirm the wallet before it saves
• Pick a default wallet from the row above the chat
• One-tap quick questions: this week, the forecast, where you shop
• Ask in your own words: “Will I have money left at the end of the month?”
• Voice messages, photos and long receipts
• Chat history: reopen or delete past sessions

On the free plan, each chat message, voice message or receipt photo uses one of 10 AI requests a month; Pro removes the limit.

Episode 3 · 1:36

Wallets: credit cards, main wallet, transfers and currencies

How to read, organise and add wallets in Lumy, and how to move money between them.

• Wallet cards and details: credit limit, available credit, due date
• Long-press a wallet to make it your main one
• Hide every balance with one tap
• Transfers between your own wallets, not counted as spending
• Add a wallet in any currency

Wallets in more than one currency are part of Lumy Pro. The free plan has up to 3 accounts.

Episode 4 · 1:54

Transactions in depth: search, edit, receipt items, recurring and calendar

Every corner of your transactions: find them, fix them, repeat them and plan ahead.

• Search and quick date filters
• Transaction details: edit or delete
• Receipt items, grouped or as a list, and fixing any line
• Recurring payments: weekly, monthly or yearly
• Calendar: each day's spending and what is coming up

Episode 5 · 1:30

Budgets and savings goals: limits, alerts and contributions

Plan ahead with monthly budgets that warn you in time, and goals that keep your savings on track.

• Read a budget: spent, left, and when it turns amber
• Create a budget with an alert at 80 percent
• Track goals: saved, still needed, time left
• Add money to a goal
• Start a new goal with a starting amount

Episode 6 · 1:43

Subscriptions and loans: renewals, reminders and a payoff plan

The bills that come back every month, and the loans you are paying off.

• Subscriptions: price, next payment, reminder and past payments
• Add a subscription in three short steps
• Confirm each payment yourself, if you prefer
• Loans: progress, the interest you will still pay, making a payment
• Add a loan and see the payoff time and total interest

Episode 7 · 1:35

Reports and cash-flow forecast: where your money goes

Read your reports: what you spent, where it went, and how the month is likely to end.

• Your month on one screen, compared with last month
• What stands out: the changes worth knowing about
• Week, month or quarter, and any past period
• A category chart, with a full page for each category
• By month: income and spending side by side
• The forecast and how much is safe to spend per day

The cash-flow forecast is part of Lumy Pro. On the free plan, reports cover the last 30 days.

Episode 8 · 1:16

Smart shopping: price history, savings opportunities and “Am I overpaying?”

Your receipts know more than you think. Use them to see what you really pay.

• Price history for any scanned item, across stores
• Opportunities: spending changes worth a look
• Fix receipt lines with missing details
• Ask “Am I overpaying?” and compare prices store by store

Price history, Opportunities and price comparisons are part of Lumy Pro.

Episode 9 · 1:04

Shopping lists: see the total before you shop

Shopping lists that already know your prices, from your own past receipts.

• Create a list the whole family shares
• Add products you bought before, with their last price
• An approximate total, from your own receipts
• Tick items off in the store, and add new ones by name

Episode 10 · 1:54

Family budget: invite, join and share one budget on two phones

Budget together: invite your family and share one budget, each person on their own phone.

• The invite code: copy it or share it
• Joining with the code, with or without your past transactions
• The owner approves the request
• The same budget on both phones, with owner badges on wallets
• Every entry shows who added it

Creating a family group of up to six people needs Lumy Pro. Only the person who creates it needs Pro; the people they invite join with the code and do not need a subscription.

Episode 11 · 1:30

Settings and your data: theme, language, categories, alerts and backups

Tune Lumy to the way you work, and keep a copy of your data.

• Dark or light theme, 12 languages, your currency
• Manage categories and subcategories
• Choose which notifications you get
• Export a full backup, restore it, clear the chat history

Data export is part of Lumy Pro.

Episode 12 · 1:10

Custom categories: create categories and subcategories, by hand or by chat

Make Lumy's categories truly yours.

• Create a category with your own icon and colour
• Add subcategories under any category
• Or just ask Lumy: “Add a subcategory Seeds under Plants”
• Your next purchase lands right there

Episode 13 · 1:32

Set up everything by chat: subscriptions, budgets, goals, loans and transfers

Set things up just by asking Lumy, one sentence each.

• “Add a subscription: YouTube Premium, 13.99 a month, on the 5th”
• “Set a monthly budget of 100 for Education”
• “Create a goal: new sofa, 2,000 dollars by March”
• “I took a student loan of 8,000 at 4% interest…”
• “Move 200 from my everyday card to savings”

On the free plan, each chat message uses one of 10 AI requests a month; Pro removes the limit.