Lumi and Spendee look similar on a feature list — AI receipt scanning, category budgets, multi-currency, shared use cases — but they're built on opposite data models: Spendee is a cloud service with optional bank connections, Lumi keeps everything on your device with no bank login at all. Which one fits you depends on whether you see that cloud as a convenience or a cost.

Quick comparison

	Lumi	Spendee
Receipt scanning	AI scan, 2–3 s, any language	AI scanner (newer addition)
Voice input	Yes — natural speech in multiple languages	No
Apple Pay auto-import	Yes, via Shortcut, no bank needed	No (bank connections instead)
Bank sync	No, by design	Premium, in supported countries
Where data lives	On your device	Spendee cloud
Multi-currency	150+ currencies, live rates	Hundreds of currencies, daily rates
Shared use	Each partner tracks own, settle up	Shared wallets (Premium)
Free tier	10 AI scans/mo, 2 budgets, voice, Apple Pay import	Limited wallets and budgets
Paid price	$4.99/mo or $39.99/yr	Plus $1.99/mo ($14.99/yr); Premium $5.99/mo ($35.99/yr)

Where Spendee wins

Spendee's shared wallets are a genuinely good design for households that want one common pot visible to everyone in real time, and bank connections (where supported) appeal if you want transactions to appear without any action at all. Android support widens the audience, and the Plus tier at $14.99/yr is one of the cheapest paid plans around.

Where Lumi wins

Entry speed without the cloud: voice logging ("groceries forty dollars") has no equivalent in Spendee, and Apple Pay auto-import gets you automatic transaction capture without granting an aggregator access to your accounts — which is Spendee's only automation path. Lumi's data model is the bigger difference: no account required, transactions never leave your device, nothing to breach. Add the AI month-end forecast and budgets that warn before overspending, and Lumi is the pick when privacy and logging speed matter more than shared cloud wallets.

Which one should you pick?

Household wanting one live shared wallet, comfortable with cloud storage: Spendee. Privacy-first iPhone user who wants the fastest possible logging: Lumi. Couples who keep separate finances don't actually need a shared wallet — each partner tracking privately with a monthly settle-up works better than shared databases, which is the model Lumi is built for.

მზად ხართ ხარჯები კონტროლ ქვეშ აიღოთ?

Download Free on App Store

FAQ

Is Spendee or Lumi cheaper?

Spendee Plus ($14.99/yr) is the cheapest paid tier, but it's limited; feature-comparable tiers are close — Spendee Premium $35.99/yr vs Lumi Premium $39.99/yr. Lumi's free tier includes AI features (10 scans/month, voice input); Spendee's free tier is mainly manual.

Do both apps scan receipts?

Yes. Receipt scanning has been Lumi's core feature from the start — including foreign-language receipts — while Spendee added an AI scanner more recently. Comparison of the category: best receipt scanner apps.

Which app is safer for financial data?

Spendee stores data in its cloud and optionally connects to banks; that's standard practice, but it's a real attack surface. Lumi stores data on-device with no bank credentials anywhere — there's no server-side copy of your transactions to leak.

Does Lumi have shared wallets like Spendee?

No. Lumi's model for couples is private-by-default: each partner tracks their own spending, and shared costs get settled monthly — see best budget apps for couples for when each model fits.