Lumo: AI Money Tracker

Lumo is the private, AI-powered way to take control of your money. Track income, expenses, EMIs, savings goals, and investments — and finally understand where your money goes. Everything stays on your device and in your own iCloud. We never see your financial data.

SMART, EFFORTLESS TRACKING
• Log expenses in seconds — type it, speak it, or snap a receipt
• On-device AI reads the amount, merchant, and category for you
• Custom categories and tags to track spending your way
• Recurring expenses, subscriptions, and bills handled automatically

BUILT FOR REAL LIFE
• Plan loans and EMIs across their full tenure — see every month at a glance
• Track subscriptions with start and end dates so nothing slips through
• Set monthly budgets and savings targets, and watch your progress
• Salary-day aware budgeting that fits how you actually get paid

SEE THE FULL PICTURE
• Net Worth tracker — assets, liabilities, and your bottom line, Stocks-app style
• Spending heatmap to spot your heaviest days
• Beautiful charts for income, expenses, and category breakdowns
• AI insights that explain your numbers in plain language

YOUR AI MONEY ASSISTANT
• Ask real questions about your finances and get real answers
• Powered by Apple Intelligence — runs entirely on your device
• No data sent to external AI servers, ever

PRIVATE BY DESIGN
• Your data lives on your device and your own private iCloud
• No third-party tracking, no analytics, no ads
• Face ID / Touch ID lock to keep everything secure
• Syncs seamlessly across your devices

STAY ON TRACK
• Daily spending nudges, weekly summaries, and EMI reminders
• Export clean PDF and CSV reports to share with your accountant or family

Lumo is free to use. Lumo Pro unlocks unlimited loans, goals, and investments; PDF & CSV export; Net Worth tracker; spending heatmap; advanced AI insights; voice entry; receipt scanning; and the AI assistant.

Your money. Understood.

—

Lumo Pro is an auto-renewable subscription.
• Monthly or annual billing
• Payment is charged to your Apple Account at confirmation
• Subscription automatically renews unless cancelled at least 24 hours before the end of the current period
• Manage or cancel anytime in your Apple Account settings

Privacy Policy: https://contractuallegal.notion.site/ledgr-Privacy-Policy-3897ff24ba6980f0a690f9a896edfebf
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/