Lumio help
How Lumio works
Short answers to the questions people actually ask. If something here does not match what you see, that is a bug worth reporting — help that is wrong is worse than none.
Getting started
- What Lumio does, and what it does notA calm monthly plan and an honest safe-to-spend number — not a bank, and not financial advice.
- What “safe to spend” actually meansThe number Lumio exists to keep honest, and what moves it up or down.
- Setting up a monthExpected income, a spending boundary, and a savings target — the three numbers everything else rests on.
Recording money
- Recording income and spendingAdding one transaction, and what each field is for.
- Importing from CSV or ExcelBring a bank statement in as transactions, with a review step before anything is written.
- Categories, and how suggestions workShaping your own categories, and what Lumio does when it recognises a merchant.
- Uploading a bill or statementReading details out of a document, and what Lumio keeps afterwards.
Planning ahead
- BudgetsGiving individual categories a limit inside the monthly plan.
- Savings goalsNaming something you are saving for and tracking contributions.
- Emergency fundA separate cushion, tracked apart from ordinary savings goals.
- Bills and debtsRecurring commitments, and what is owed over time.
- ReportsLooking at more than one month at a time.
Sharing
Your data
Still stuck?
Support covers account access, data controls, and how to report a problem during the beta.