Available on the App Store
Know your money.
Before it's gone.
Back Tap your iPhone to log an expense in 2 seconds. Apple Pay auto-imports the moment you pay. AI forecasts your month-end balance before you overspend.
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.
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.
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.
3 taps. 2 seconds. Done.
Point your camera at a receipt
Open Lumi, tap scan, and snap a photo of any receipt.
AI extracts everything instantly
Amount, date, merchant, category, individual items — parsed in seconds, in any language.
See your full picture
Budgets, goals, analytics — your spending story, organized automatically.
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 |
| 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 |
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
- Apple Pay auto-import
- 1 primary + 1 additional currency
Premium
Unlock everything
- Unlimited AI receipt scans
- Unlimited budgets
- Full multi-currency (150+ currencies)
- AI Spending Forecast
- Advanced analytics + period comparison
- PDF / CSV / JSON export
- Priority support
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.
Learn to spend smarter
Best Budget Apps 2026: Honest Comparison
We tested YNAB, Monarch Money, Copilot, Wally, Simplifi, and Lumi for 30 days each. Here's what works, what's overpriced, and what the reviews don't tell you.
I Built an App to Solve My Own Spending Problem — Here's What I Learned
How a developer who could build anything still couldn't figure out where his money was going — and what happened when he built an AI-powered expense tracker that doesn't need your bank login.
Start for free
Your next expense
logs itself.
Set up Apple Pay import once. Enable Back Tap. Then forget about manual logging forever.
Free · No bank login · iOS 16+