Lumi and Monefy solve the same problem — tracking spending without handing over a bank login — but with different ceilings: Monefy makes tapping in an expense fast, Lumi removes the tapping with voice input, Apple Pay auto-import, and receipt scanning. If you're on Android, Monefy is the pick by default (Lumi is iOS-only). On iPhone, the comparison gets interesting.

Quick comparison

	Lumi	Monefy
Entry methods	Voice ("coffee 5 euros"), Apple Pay auto-import, receipt scan, manual	Manual one-tap entry, built-in calculator
AI	Parses speech, scans receipts, month-end forecast	None
Bank login	No	No
Where data lives	On your device	Device + optional Google Drive/Dropbox sync
Platforms	iOS	iOS + Android
Budgets	Category limits with live progress, alerts before overspend	Single budget mode
Multi-currency	150+ with live conversion	Supported, simpler handling
Price	Free / $4.99/mo ($39.99/yr)	Free with ads-free paid Premium (regional pricing; custom categories, passcode, sync are paid)

Where Monefy wins

Monefy's interface is one of the best pure-manual designs ever shipped: open app, tap category, type amount, done — plus Android support and cross-device sync through your own Google Drive or Dropbox. If you enjoy the small ritual of logging and want the widest platform coverage, Monefy has earned its reputation.

Where Lumi wins

Manual entry — even great manual entry — is still the step where tracking habits die. Lumi attacks the step itself: say the purchase out loud and AI fills amount, merchant, and category; contactless payments log themselves via an Apple Pay Shortcut; paper receipts scan in 2–3 seconds. Add category budgets that warn before you overspend and an AI forecast that projects your month-end balance, and the difference isn't the interface — it's how much of the work disappears.

Which one should you pick?

Android user: Monefy. iPhone user who likes tapping and wants the simplest possible tool: Monefy is a fine choice. iPhone user who wants tracking to survive busy weeks: Lumi — the entry methods are the product. Both keep your bank credentials out of it, which puts either ahead of sync-based apps on privacy; see the best expense trackers with no bank login for that full landscape.

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FAQ

Is Monefy free?

The core app is free. Custom categories, passcode protection, cloud sync, and other extras require the paid Premium, with pricing that varies by region.

Does either app need my bank account?

No — that's the shared philosophy. Both are manual-first trackers; Lumi adds automation (voice, Apple Pay import, receipt scan) without touching bank credentials.

Can I import my Monefy history into Lumi?

Monefy exports CSV. Lumi doesn't do bulk CSV import; most switchers start fresh and keep the Monefy export as an archive — spending patterns from a new month arrive quickly.

Which is better for travel?

Lumi: 150+ currencies with real-time conversion to your home currency, and voice or scan entry works in multiple languages and currencies on the road.