Toshl and Lumi are two of the strongest multi-currency expense trackers, and they split the audience cleanly: Toshl for people who want maximum currency coverage (≈200 currencies including crypto) and quirky character, Lumi for people who want entries to log themselves — by voice, Apple Pay import, or receipt scan. Here's the honest split.

Quick comparison

	Lumi	Toshl
Currencies	150+, live conversion to home currency	~200 incl. ~30 cryptocurrencies, per-item currency
Entry methods	Voice, Apple Pay auto-import, receipt scan, manual	Manual (fast forms), bank import on Medici (US/CA banks)
AI	Speech parsing, receipt vision, month-end forecast	None (character-based charm instead)
Bank login	Never needed	Optional, Medici plan, US/Canada
Where data lives	On your device	Toshl cloud
Platforms	iOS	iOS, Android, web
Paid price	$4.99/mo or $39.99/yr	Medici $4.99/mo or $39.99/yr; cheaper Pro below it

Where Toshl wins

Currency coverage is the widest in the category — roughly 200 currencies plus crypto, with the ability to set currency per item, which matters if a single day includes euros, forints, and Bitcoin. The web app and Android support make it usable everywhere, and Toshl's monster-illustrated personality has kept people logging for a decade. If your finances span US/Canadian banks, the Medici plan adds automatic import.

Where Lumi wins

The entry itself. Toshl's forms are quick, but they're still forms — and on a travel day with twelve small purchases, forms lose to saying "taxi twelve euros" or letting Apple Pay tap-payments import themselves. Receipt scanning reads foreign-language receipts — the exact artifact travel generates in bulk. Same yearly price as Toshl Medici ($39.99), but the automation comes without connecting any bank, and data stays on the device rather than in a cloud account.

Which one should you pick?

Android or web-first, crypto in the mix, per-item currency juggling: Toshl. iPhone traveler or expat who wants the day's spending captured with near-zero effort: Lumi. Either beats salary-country apps that treat foreign currency as an afterthought — the wider list is in best multi-currency expense trackers, and the daily mechanics in how to track multiple currencies.

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FAQ

How many currencies does each app support?

Toshl: about 200, including ~30 cryptocurrencies. Lumi: 150+ fiat currencies with real-time conversion (2 currencies on the free plan, all on Premium). If crypto tracking is a requirement, Toshl wins outright.

Do I need a bank connection with either app?

No for both cores. Toshl's Medici plan optionally imports from US/Canadian banks; Lumi never connects to banks — automation comes from voice, Apple Pay Shortcuts, and receipt scanning instead.

Which is better for a two-week trip?

The one where logging survives vacation laziness. Voice entry and Apple Pay auto-import mean a Lumi trip log mostly writes itself; Toshl asks for a form per expense — quick, but times fifty purchases it's the difference between a complete record and a half-abandoned one.

Is Toshl's price comparable to Lumi's?

Feature-equivalent tiers land at the same $39.99/year (Toshl Medici vs Lumi Premium). Toshl also has a cheaper Pro tier without bank import; Lumi has a free tier with voice input and 10 AI scans a month.