Lumo: Money & Budget Tracker

Lumo is a simple, private money tracker. Log what you spend and earn in three taps, see where your money goes each month, and keep every category on budget — no sign-up, no bank connection. LOG IN THREE TAPS • Built-in number pad: type the amount, pick a category, save. • Four kinds of entries: Expense, Income, Lent and Borrowed. • Add a note, change the date or time — or leave them as they are. • Deleted something by mistake? Undo it within 5 seconds. KNOW WHO OWES WHOM • Record money you lent or borrowed, with a note for the person. • Mark a loan as collected or repaid when it is settled. • Your total balance and net worth stay correct before and after. SEE WHERE IT GOES • Monthly insights by category, as stacked bars or columns. • A separate view for loans: what is outstanding and what is settled. • Spent and earned this month, right on the home screen. BUDGET BY CATEGORY • Set a monthly limit for each spending category. • Lumo suggests a limit from your last three months. • Tiles turn amber near the limit and red when you go over. 154 CURRENCIES, NUMBERS THAT DO NOT DRIFT • Log each entry in the currency you actually paid in. • Amounts are converted with the exchange rate of the day you logged them, so your history never changes when rates move. Converted totals are marked with ≈. • Exchange rates are updated once a day when you are online; everything else works offline. YOUR DATA STAYS ON YOUR PHONE • No account and no sign-up. • Your transactions and notes are stored on your device and are not uploaded. • Hide your balance with one tap when someone is looking. MADE FOR EVERYONE • 20 languages, including full right-to-left support for Arabic. • Large text, TalkBack labels and reduced-motion support. • A calm dark design that is easy on the eyes. Lumo is free and supported by ads. Exchange rates by exchangerate-api.com.