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Personal finance, with a plan

See your month clearly. Know what is safe to spend.

Lumio brings income, spending, budgets, bills and savings into one monthly plan, then keeps a single honest number for what is left. No spreadsheets to maintain.

Create your accountSee how it works
  • Invite-only beta
  • No bank connection needed
  • English and Khmer

Built for Cambodia, in US dollars and riel

02One number that stays honest

Spend today without breaking the month.

Safe to spend is what remains after the plan you set and the activity you have already recorded. It moves when your money moves, so the figure on screen is the one you can act on.

Your numbers, not an estimate

Lumio never guesses a rate, a balance or a date. Anything read off a document goes to you for review before it becomes a record.

Example month

Safe to spend

$431.25

after your plan and activity

Income
$1,200.00
Spent
$48.75
Saving
$300.00
Food & Dining$38.75 of $120.00
Housing$10.00 of $100.00
The plan is set and almost nothing has happened yet. Example figures, not a captured screen.
03One connected system

Plan it. Record it. See where it went.

Budgets, savings, bills and reports read from the same monthly picture, so a payment recorded once shows up everywhere it should.

  • 01

    Plans

    Set expected income, a spending boundary and a savings target before the month gets busy.

  • 02

    Records

    Add transactions by hand, import a CSV, or pull the figures off a document you already have.

  • 03

    Tracks

    Budgets by category, savings goals, an emergency fund and the bills you still owe, in one place.

  • 04

    Reports

    Eight views over your own numbers, from monthly cash flow to where the money actually went.

No bank connection. Lumio never asks for your banking credentials, because it never needs them. You decide what goes in.

Read the privacy policy
04Access during the beta

Invite-only, and free while it is.

Lumio is a small beta with real people keeping real money records in it. There is no payment, no tier and no upsell while that is true.

Create your account
To use during the beta
$0
No card, no trial countdown.
Languages
2
English and Khmer throughout.
Currencies
USD · KHR
Riel is whole units, never forced to cents.
05How it works

Set it up once. Keep going.

The first month takes a few minutes. After that it is a handful of entries a week.

  1. 01

    Set the month

    Expected income, a spending boundary, a savings target. Three numbers, once a month.

  2. 02

    Record as you go

    Type it in, import a file, or read it off a receipt. Every entry updates the same picture.

  3. 03

    Check one number

    Safe to spend moves as the month does, so you are never guessing what is left.

06What is in it

Everything the month needs, nothing it does not.

  • Monthly plan

    Income, a spending boundary and a savings target, month by month.

  • Transactions

    Add, edit, search and filter, with categories and accounts you control.

  • Budgets by category

    Set a limit where it matters and watch it against real spending.

  • Savings and emergency fund

    Goals and a separate reserve, each tracked against what you put in.

  • Import

    Bring in a CSV, or read figures off a document and review before saving.

  • Reports and export

    Eight views over your own numbers, and a CSV export whenever you want it.

Your month, clearly planned

Start the month knowing where it goes.

Create your account
  • Your records stay yours. Nothing is sold.
  • No banking credentials, ever.