Lumo

Lumo is manual-first money tracking for people who want full control over their finances. No bank linking. No data selling. No spreadsheets. Just you and your money.

LOG WHAT MATTERS
Track every expense with categories, merchant names, notes, and receipt photos. Lumo doesn't guess at your spending or pretend to know your context — you do.

SAFE-TO-SPEND SIGNAL
Lumo blends your cash flow, bills, and goals into a single confidence number that updates as you spend. Know what's safe to spend today, not just what's in your account.

ADAPTIVE BUDGETING
Cycle-aware budgets that roll forward and keep you in control. Set limits for each goal and get nudges before you drift.

FORECASTING & INSIGHTS
Real cash runway, bill timing, and savings pace in one glance. Prediction models surface trends before they hit.

INCOME & LOAN TRACKING
Model salary, freelance, and recurring income patterns. Track money lent, repaid, and outstanding balances.

RECEIPT CAPTURE
Scan receipts and attach clean records to your expenses. Extract transaction details automatically from photos.

SMART NOTIFICATIONS
Reminders for spending, cycles, and critical updates. Get notified about unusual spending, upcoming bills, and low balances before they become problems.

PRIVATE BY DEFAULT
No bank logins. No third-party trackers. No ads. No data selling. Ever. Your data is encrypted in transit and the only person looking at your money is you.

DATA YOU OWN
Export your complete financial data anytime. Delete individual transactions, wipe all data, or remove your entire account — your data, your choice.

Lumo is currently in private beta and available on Android. Join the waitlist at lumocash.com.