Voice expense tracker for iPhone
“Coffee, five euros.”
Logged.
Say an expense out loud — Lumi's AI logs the amount, merchant, and category. Apple Pay imports the rest automatically, and the forecast shows your month-end balance before you overspend.
Scan to download on your iPhone
2 sec
to log via Back Tap
0 taps
with Apple Pay
150+
currencies
0 banks
connected. Ever.
2 sec
to log via Back Tap
0 taps
with Apple Pay
150+
currencies
0 banks
connected. Ever.
Tired of apps that just show you charts?
“Manual entry is homework nobody wants to do”
Scan a receipt in 2 seconds. AI reads amount, date, merchant, items — in any language.
“I don't want to give my bank credentials to an app”
Lumi never asks for bank access. Your data stays on your device.
“I travel — my budget app only works in USD”
Track expenses in dollars, euros, yen — any currency. Auto-conversion at real rates.
1 tap. Seconds. Done.
Tap to pay
Pay with Apple Pay like you always do. No extra app, no unlocking.
Lumi picks it up instantly
The expense appears with a category already suggested — tap to confirm.
Done
Saved, categorized, and added to your forecast automatically.
What makes Lumi different
Logging that disappears
when you don't need it.
Back Tap logging
Double-tap the back of your iPhone. No unlocking, no finding the app. Lumi opens in recording mode — expense logged in under 3 seconds.
2 sec
avg. log time
Apple Pay auto-import
Pay contactless. The expense appears in Lumi automatically — amount, merchant, timestamp. Zero manual entry required.
0 taps
manual entries
AI Spending Forecast
Lumi compares your current spend rate against 3 months of history and shows exactly where you'll land — 7–10 days before month-end.
Receipt Scanner
Point at any receipt — paper or screen. AI reads amount, date, merchant, and category in seconds. Works in any language.
Voice Input
Tap the mic and say "coffee 5 euros." AI parses the amount, merchant, and category from natural speech — no typing.
Category Budgets
Set monthly limits per category. Lumi tracks live progress and warns you before you overspend — not after.
150+ currencies
Real-time conversion. Track in multiple currencies simultaneously. Perfect for travel or multi-currency income.
New — Voice Input
Don't type it.
Just say it.
Tap the mic and talk like you would to a friend. Lumi's AI pulls out the amount, merchant, and category — no forms, no menus, no typing.
You say
“Coffee, five euros. Metro, two euros.”
- No typing, no category menus
- Works in multiple languages
- Logs amount, merchant, and category in one go
Your dashboard
Everything in one glance
Balance, spending by category, and an AI insight — synced across your devices.
Balance
All timeLooking good!
You've spent 38% of your income this month — right on track.
Spending by category
How Lumi compares to other budget apps
| Feature | Lumi | YNAB ($109/yr) | Monarch ($100/yr) | Copilot ($96/yr) | Wally ($40/yr) |
|---|---|---|---|---|---|
| Back Tap logging | ✓ | — | — | — | — |
| Apple Pay auto-import | ✓ | — | — | — | — |
| AI Spending Forecast | ✓ | — | — | Basic | — |
| AI Receipt Scanning | ✓ | — | — | — | Basic OCR |
| Voice input logging | ✓ | — | — | — | — |
| Bank login required | Never | Required | Required | Required | Required |
| Works offline | ✓ | — | — | — | — |
| Data stored on device | ✓ | Cloud | Cloud | Cloud | Cloud |
| Price | Free / $4.99/mo | $109/yr | $100/yr | $96/yr | $40/yr |
Built by a solo developer.
Loved by people who hate spreadsheets.
“Manual entry is homework nobody wants to do”
— r/personalfinance
That's why Lumi scans receipts. Zero typing.
“Why do all budget apps want my bank login?”
— r/YNAB
Lumi doesn't. Your data stays on your phone.
“I travel constantly and no app handles multiple currencies well”
— r/digitalnomad
Lumi tracks any currency with auto-conversion at real rates.
Analyzed 18 competitors. Lumi is the only app combining AI scanning + multi-currency + privacy.
Start free. Upgrade when you're ready.
Free
Everything to get started
- 10 AI receipt scans / month
- 2 budgets
- Basic analytics
- Unlimited manual entries
- Back Tap quick logging
- Voice input logging
- 1 primary + 1 additional currency
Premium
Unlock everything
- Apple Pay auto-import
- Unlimited AI receipt scans
- Unlimited budgets
- Full multi-currency (150+ currencies)
- AI Spending Forecast
- Advanced analytics + period comparison
- PDF / CSV / JSON export
- Priority support
Start for free
Your next expense
logs itself.
Set up Apple Pay import once. Enable Back Tap. Then forget about manual logging forever.
Learn to spend smarter
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