01
Plan the whole month
Connect expected income, spending boundaries, and savings before the month gets busy.
Private by default · no bank connection required
Know what you can spend and still reach your goals.
Lumio brings income, spending, budgets, and savings into one clear monthly plan. No spreadsheet maintenance or accounting complexity.
All current MVP planning tools are available during the beta.
Your monthly plan
One answer, with the evidence beside it
Safe to spend
Clear after every update
Built from the plan you set and the activity you record.
Expected incomeStarting point
Planned spendingSet aside
Savings targetProtected
Available nowReconciled
Records stay isolated to your account.
The monthly loop
The important answer first.
Plan, record, and review without turning money management into another job.
02
See spending in context
Each transaction updates the month, its category, and the amount that remains available.
03
Make saving visible
Keep goals beside everyday spending so progress stays part of the plan, not an afterthought.
Privacy is part of the product.
Lumio keeps financial records private to your account by default. Sharing happens only when you choose it — a household you invite someone to, or a planner scoped to a single event — and the limits are enforced in the database, not just hidden in the interface. You can export a copy of your data or permanently delete your account from Settings.
Make this month easier to understand.
Start with expected income, a spending boundary, and a savings target. Adjust the plan whenever the month changes.
Create your account