*Track bills, expenses and balances as a couple, or just your own.
*Budget as a couple
*Share whole accounts or transactions - you're in control.
Lumio is a free money management app that helps the modern couple keep track of all their shared bills, expenses & save, together.
● Track all your shared expenses in one place ok
● Keep enjoying personal spending perks and growing your points
● Sidestep the hassle of a joint account or spreadsheet
Get full visibility of all your finances so you know where you stand as a couple.
Coordinate your shared spending. Save more, argue less, and progress together.
Lumio makes it easy for you and your partner to control your money together - without the faff of a splitwise account or ledger.
Track all of your account balances, shared household expenses, and investments in one place. Collaborate with your partner and reach your financial goals faster.
*All your accounts, shared in real-time in one place - Get shared visibility and total alignment with your partner. So you can make your next smart move as a team.
*Choose what you share, securely - You decide which balances, bills & expenses you share. Keeping you both on the same page - without the faff of creating a joint account or manual ledgers like Splitwise.
*Keep tabs on your shared finances - Track any household expense, from any account. Know where you stand, who contributed, and what is owed. So you can settle up fairly and transparently - without mental maths.
*Settle-up automatically - Instantly settle-up on any IOUs between you and your partner, so you're always on the same page.
Set up affordable & automatic savings rules to achieve your goals together.
KEY FEATURES:
● Track your net worth across all your accounts in one money dashboard
● Track, split & share bills effortlessly - like Splitwise with a brain
● Manage all your accounts in one place - just like Snoop
● Save straight into your existing accounts - including GoHenry, Marcus, Monzo, Rooster Money
● Manage & organise all your bills & subscriptions (like Snoop)
● Track all your spending and expenses (like Emma Finance)
● Set clear financial goals and work towards them (just like Mint)
● Get actionable insights you won’t get from your bank
● Track how your spending changes over time
● Avoid overdraft charges
● Combine all your pensions - including Pensionbee, Nest Pension, Aegon Pension
● Get spending and balance notifications
PRO/PREMIUM FEATURES:
● Fully customise your money management cycle. Pay-day to pay-day, date-to-date, month-to-month (like YNAB You Need A Budget)
● Connect the value of everything you own to Lumio using Offline Accounts
● Unlock access to all your historic financial data across all accounts
● Visual and statistical spending and income breakdown by category
LUMIO CONNECTS WITH ALL YOUR BANK ACCOUNTS
● Bank accounts: HSBC, Barclays, Monzo, Natwest, Santander, Revolut, Starling & more
● Savings accounts: Marcus by Goldman Sachs, Virgin Money, OakNorth, Nationwide & more
● Credit Cards: American Express (Amex), Barclaycard, Lloyds, Natwest & more
● Cryptocurrency: Coinbase, Revolut, eToro & more
● Pensions & Investments: Nutmeg, Moneyfarm, EToro, Hargreaves Lansdown, AJ Bell, PensionBee, Nest Pension, Aegon Pension & more
BANK-GRADE SECURITY
Have total confidence that your money mentor is protected as a result of 256-bit encryption and a 5-number pin.
The same security as used in world-leading banks with military-grade encryption.
SAFE & REGULATED
Lumio is registered with the Financial Conduct Authority under the Payment Services Directive for the provision of payment services. Here’s our reference number: 844741
Lumio is registered with the Information Commissioner’s Office in compliance with the Data Protection Act 1998. Data Protection Registration Number: ZA548961
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
https://www.lumio-app.com/privacy-policy
https://help.lumio-app.com/en/articles/3329308-terms-of-use
I’ve been using MoneyDashboard Neon for a while now, despite some drawbacks (no support for a few banks/investment platforms that Lumio has).I gave Lumio another try recently and the new UI is brilliant, with support for additional banks and even my student loan provider is huge win for me. My only reservation is the Money Manager tab - the icons used for various categories aren’t very clear. It may seem minor, but the icons on MoneyDashboard Neon only comprise of one colour and are more minimal, making them easier to identify at a quick glance. The Money Manager tab should also introduce the ability to re-arrange subsections (like Yolt used to), as it’d be great to have the categories at the top (in my opinion).
Great couples’ spending app (and so far great support too)
cbaillycha
When we explored different apps to help us manage our finances (across joint accounts), Lumio best suited our requirements. The dashboard is very user-friendly, everything syncs seamlessly with our bank accounts, and it ticked almost all the boxes on our wish list.We contacted Lumio about a few features we’d love to see added, and were pleasantly surprised to speak to an actual person who was genuinely interested in our feedback. It sounds like others have requested similar improvements—such as the ability to split transactions (e.g., £100 spent at Sainsbury’s split between £50 groceries / £50 clothing) and the option to add tags to expenses (e.g., category = gift / tag = Christmas). We have since been told by the Lumio team that these features are in development.I highly recommend this app for its ease of use, strong functionality, and (so far) excellent support
Great for a non-finance-y person!
J3nw
I have struggled for years with keeping track of different accounts (and managing money)- Monzo for bills, Barclays for personal spending and my credit cards. So helpful to have finally have one place to check my balance and see my outgoings and incomings, particularly for upcoming payments that always used to take me by surprise! I have also used the app to find myself a great fixed saving account with Atom Bank that has been really helpful for my saving goals. Thank you Lumio :)
Developer Response
Hey J3nw, thanks for your feedback! We're delighted to hear you've found a new savings account through Lumio and you're seeing more control over your upcoming payments!
A well designed app to help with online banking
Billyg-123
Lumio really has helped my with all my online banking by linking them all into one space. It has also allowed me to compare saving accounts and credit cards to make sure I am getting the most for my money.I would highly recommend to everyone that has multiple banking apps who want to be able to easily track their money.
Developer Response
Great to hear you're loving Lumio Billy! Thank you for recommending us!
Introducing Couples Budgeting
Plan your spending together with Lumio's all-new budgeting experience. Create a shared budget, organise spending into simple buckets, and see how you're tracking as a couple throughout the month.
Version 4.4.8
The developer, Lumio Technologies Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Contact Info
User Content
Identifiers
Usage Data
Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
Contact Info
User Content
Usage Data
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
Lumio Technologies Limited
Size
117.4 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
iPhone Requires iOS 15.1 or later.
iPod touch Requires iOS 15.1 or later.
Mac Requires macOS 15.0 or later and a Mac with Apple M1 chip or later.
