Lumo: Money & Budget Tracker

Lumo is a simple, private money tracker. Log what you spend and earn in three taps, see where your money goes each month, and keep every category on budget — no sign-up, no bank connection.

LOG IN THREE TAPS
• Built-in number pad: type the amount, pick a category, save.
• Four kinds of entries: Expense, Income, Lent and Borrowed.
• Add a note, change the date or time — or leave them as they are.
• Deleted something by mistake? Undo it within 5 seconds.

KNOW WHO OWES WHOM
• Record money you lent or borrowed, with a note for the person.
• Mark a loan as collected or repaid when it is settled.
• Your total balance and net worth stay correct before and after.

SEE WHERE IT GOES
• Monthly insights by category, as stacked bars or columns.
• A separate view for loans: what is outstanding and what is settled.
• Spent and earned this month, right on the home screen.

BUDGET BY CATEGORY
• Set a monthly limit for each spending category.
• Lumo suggests a limit from your last three months.
• Tiles turn amber near the limit and red when you go over.

154 CURRENCIES, NUMBERS THAT DO NOT DRIFT
• Log each entry in the currency you actually paid in.
• Amounts are converted with the exchange rate of the day you logged them, so your history never changes when rates move. Converted totals are marked with ≈.
• Exchange rates are updated once a day when you are online; everything else works offline.

YOUR DATA STAYS ON YOUR PHONE
• No account and no sign-up.
• Your transactions and notes are stored on your device and are not uploaded.
• Hide your balance with one tap when someone is looking.

MADE FOR EVERYONE
• 20 languages, including full right-to-left support for Arabic.
• Large text, TalkBack labels and reduced-motion support.
• A calm dark design that is easy on the eyes.

Lumo is free and supported by ads. Exchange rates by exchangerate-api.com.