Lumo: AI Money Tracker

Lumo is the private, AI-powered way to take control of your money. Track income, expenses, EMIs, savings goals, and investments — and finally understand where your money goes. Everything stays on your device and in your own iCloud. We never see your financial data. SMART, EFFORTLESS TRACKING • Log expenses in seconds — type it, speak it, or snap a receipt • On-device AI reads the amount, merchant, and category for you • Custom categories and tags to track spending your way • Recurring expenses, subscriptions, and bills handled automatically BUILT FOR REAL LIFE • Plan loans and EMIs across their full tenure — see every month at a glance • Track subscriptions with start and end dates so nothing slips through • Set monthly budgets and savings targets, and watch your progress • Salary-day aware budgeting that fits how you actually get paid SEE THE FULL PICTURE • Net Worth tracker — assets, liabilities, and your bottom line, Stocks-app style • Spending heatmap to spot your heaviest days • Beautiful charts for income, expenses, and category breakdowns • AI insights that explain your numbers in plain language YOUR AI MONEY ASSISTANT • Ask real questions about your finances and get real answers • Powered by Apple Intelligence — runs entirely on your device • No data sent to external AI servers, ever PRIVATE BY DESIGN • Your data lives on your device and your own private iCloud • No third-party tracking, no analytics, no ads • Face ID / Touch ID lock to keep everything secure • Syncs seamlessly across your devices STAY ON TRACK • Daily spending nudges, weekly summaries, and EMI reminders • Export clean PDF and CSV reports to share with your accountant or family Lumo is free to use. Lumo Pro unlocks unlimited loans, goals, and investments; PDF & CSV export; Net Worth tracker; spending heatmap; advanced AI insights; voice entry; receipt scanning; and the AI assistant. Your money. Understood. — Lumo Pro is an auto-renewable subscription. • Monthly or annual billing • Payment is charged to your Apple Account at confirmation • Subscription automatically renews unless cancelled at least 24 hours before the end of the current period • Manage or cancel anytime in your Apple Account settings Privacy Policy: https://contractuallegal.notion.site/ledgr-Privacy-Policy-3897ff24ba6980f0a690f9a896edfebf Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/