Fleur and Lumi share the same foundation — privacy-first iPhone trackers with no bank login and no forced account — and diverge on what they optimize: Fleur makes manual logging pleasant with a genuinely beautiful interface, Lumi makes logging disappear with voice input, Apple Pay auto-import, and receipt scanning. Both are honest products; the choice is about which keeps you logging in month three.

Quick comparison

	Lumi	Fleur
Design philosophy	Function-first: capture in seconds	Aesthetic-first: budgeting that's pleasant to look at
Entry methods	Voice, Apple Pay auto-import, receipt scan, manual	Manual (quick, well-designed forms)
AI	Speech parsing, receipt vision, month-end forecast	None
Bank login	Never	Never
Account required	No	No — iCloud sync built in
Budgets	Category limits, live progress, pre-overspend warnings	Monthly budget + insights
Multi-currency	150+, live conversion	Basic
Pricing model	Free / $4.99/mo or $39.99/yr subscription	Free / one-time premium purchase, no subscription
App Store rating	—	4.8 (11K+ reviews)

Where Fleur wins

Fleur understood something the finance industry didn't: people avoid budgeting apps because they look like tax software. Its cute, minimal design turns logging into a small pleasant ritual, the 4.8-star rating across 11K+ reviews is earned, and the pricing model is arguably the fairest in the category — a one-time premium purchase instead of a subscription. For people who enjoy the manual ritual and want to pay once, Fleur is an easy recommendation.

Where Lumi wins

The ritual is the risk. Even a beautiful form is a form, and busy weeks are when manual systems quietly die — most tracking habits collapse within weeks. Lumi removes the moment of friction entirely: say "groceries forty dollars", let Apple Pay purchases log themselves, point the camera at a receipt. Add serious multi-currency (150+ with live conversion) and an AI month-end forecast, and Lumi is the pick when you want the data complete even on the weeks you forget the app exists.

Which one should you pick?

You find logging meditative, want maximum cuteness, and prefer paying once: Fleur. You want tracking that survives your least-disciplined weeks, travel across currencies, or a forecast of where the month is heading: Lumi. Either way you're keeping bank credentials out of it — both apps are on the right side of the no-bank-login divide.

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FAQ

Is Fleur really free?

The core app is free with a one-time premium upgrade for extra features — no subscription, which reviewers consistently praise. Lumi's free tier includes its AI features (voice input, 10 receipt scans/month, Apple Pay import); Premium is $4.99/mo or $39.99/yr.

Does either app connect to my bank?

No — both are manual-first and privacy-first by design. The difference is that Lumi layers automation (voice, Shortcut import, scanning) on top of the no-bank model.

Which app is better for couples or travel?

Travel: Lumi, for 150+ currencies with live conversion (how to track multiple currencies). Couples: neither has shared wallets; the separate-tracking-plus-settle-up model works with both — see best budget apps for couples.

Can an aesthetic app really change budgeting behavior?

Design that reduces dread genuinely helps people start — Fleur's reviews prove it. What design can't fix is entry cost on busy days; that's an automation problem, which is the gap Lumi targets.