All your money.One clear picture.
See where your money goes, manage your spending, and stay on top of your financial goals, all in one place.
Dashboard
Dashboard
Your money comes in.Where does it go?
You check your bank statement and wonder where it all went.
Most people know they’re overspending. They just don’t know where.
- Salary on 1 October: ₹86,400
- House rent: ₹18,000
- Credit card bill: ₹16,000
- Sent home: ₹12,000
- Mutual fund SIP: ₹10,000
- Bike EMI: ₹4,250
- Left on 28 Oct: ₹7,774
- 64 small spends: ₹18,376
Small purchases don’t feel like much.Until you see them together.
October
₹0on small things
One number tells you how much.
Categories tell you where.
Your budget tells you how it’s going.
01
Add a spend in seconds
02
Set a budget that speaks up
03
Never miss a bill
04
Save for what matters
HDFC savingsLumio fills in the rest
before you go over, not after
with a nudge before each one is due
with a plan for every month
Feel more in control
of your money
Simple insights and a clearer view of your finances help you make better money decisions, without adding complexity or pressure. So managing your money feels more manageable and informed.
- Understand your spending
- Stay ahead of your bills
- Make progress towards goals
A lens for every corner of your money
Your bank statement speaks in codes. Lumio reads every line and puts it where it belongs.
Every corner, clear. Together, they’re the whole picture.
Daily spending
Every chai, cab and order, sorted for you
Bills & subscriptions
Rent, EMIs and Netflix, before they’re due
Budgets
A limit for each part of the month
Savings goals
What to put aside to get there
Every account
Banks, cards, UPI wallets and cash
Insights
How your month is going, in plain words
What changes when you can see it all
The same salary, the same spends. The difference is knowing where you stand before the month decides for you.
Without Lumio
With Lumio
Without Lumio: Scrolling bank statements for answers
With Lumio: Every spend sorted, in plain words
Without Lumio: Finding out you overspent after the month is over
With Lumio: A heads-up before a budget runs out
Without Lumio: A spreadsheet that goes stale by the 10th
With Lumio: Last month’s statement, imported in a minute
Without Lumio: Remembering rent and EMIs at the last minute
With Lumio: Every bill listed, with a nudge before it’s due
Without Lumio: Money spread across banks, cards and UPI apps
With Lumio: Every account added up into one balance
Without Lumio: Guessing what’s left until salary day
With Lumio: What’s left this month, at a glance
Questions, answered
Something else on your mind? Get in touch and a real person will reply.
What is Lumio?
Lumio is a free personal finance tracker. Add what comes in and goes out, or import your bank statement, and Lumio shows where your money goes, how your budgets are doing, which bills are due and how close you are to your goals. It never moves money and never connects to your bank login.
Is Lumio free?
Yes. Accounts, transactions, statement imports, budgets, goals and bills are all free, with no limits and no card needed to sign up. Lumio Pro will come later with optional extras, like scanning a bill to add it; you can join the waitlist in Settings.
Is my financial data safe?
Yes. Lumio never asks for your bank login, card details, OTP or UPI PIN. Every record is locked to your account so no other user can read it, and even the Lumio team can’t see your amounts, transactions or receipts. Bank statements are read in your browser, your data is stored in India, and you can export or delete everything whenever you like.
Will this work for my business?
Lumio is built for personal finances. Freelancers and small business owners often use it to keep their own money in order, for example with a separate account for business income and spends, or by tagging work expenses. It doesn’t do invoices, GST filing or multiple team members, so it isn’t a replacement for accounting software.
Take control of your finances today
Track every spend, set budgets that warn you early, plan your goals and never miss a bill. Free, and set up in about a minute.
Get started for free