Expense tracking, simplified
Know exactly where your money goes, without the spreadsheet.
Lumonie connects your accounts, categorizes every expense, and gives you a clear picture of your finances in seconds a day.
No credit card required · Free plan available forever
Features
Everything you need to stay on top of your spending
Automatic categorization
Every transaction is sorted into the right category the moment it lands, so your spending picture is always up to date.
Budgets that adapt
Set monthly budgets per category and get nudged before you overspend, not after.
Multi-account sync
Connect bank accounts, cards, and cash wallets into a single, unified balance.
Shared expenses
Split bills with roommates or partners and settle up without the group-chat math.
Insights, not just charts
Plain-language monthly summaries that tell you what changed and why it matters.
Private by design
Your financial data is encrypted end-to-end and never sold to third parties.
How it works
Set up in minutes, understand your money for good
Connect your accounts
Link your banks and cards in under a minute.
Let Lumonie sort it out
Transactions are categorized and tracked automatically.
Track, budget, save
See exactly where your money goes and set goals that stick.
FAQ
Common questions
Is Lumonie free to use?
Yes. The core budgeting and tracking features are free forever, with an optional premium plan for advanced insights and unlimited shared expenses.
Which banks can I connect?
Lumonie supports thousands of banks and cards worldwide. You can also add cash accounts manually.
Is my financial data secure?
All data is encrypted in transit and at rest. We never sell your data, and you can export or delete it at any time.
Ready to take control of your spending?
Join Lumonie today and see where every dollar goes, without lifting a finger.
Start tracking for free