# Lumi Money: Spend Better Today — Gain control of overspending > Daily spending guidance based on balance, bills, and next paycheck. (iPhone/iPad app by Lumi Financial Solutions, LLC.) - Source: https://appshunter.io/ios/app/lumi-money-spend-better-today/id6756831779 (this page in markdown: same URL + `.md`) - Developer: [Lumi Financial Solutions, LLC](https://appshunter.io/developer/1863141393) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.1 · 35 MB - Languages: English - Released: 2026-01-27 - Data updated: 2026-06-30 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/lumi-money-spend-better-today/id6756831779/reviews.md ## What is Lumi Money? Know what you can safely spend before you pay. Lumi Money shows what’s safe to spend today based on your balance, bills, subscriptions, and next paycheck. A smarter alternative to traditional budgeting apps and expense trackers. ______ KNOW WHAT’S SAFE TO SPEND Most budgeting apps help you look backward. Lumi Money helps you decide before you spend. Instead of only tracking expenses and categories, Lumi Money shows what you can safely spend today — before you buy. Your Safe-to-Spend updates based on what’s coming next, so you can spend with more confidence between paychecks. That means: • No guessing • No mental math • No surprise overdrafts • No accidentally overspending money you’ll need later ______ SEE WHAT’S COMING NEXT Your bank balance only shows what you have right now. It doesn’t include: • Upcoming bills • Subscriptions • Future expenses • Timing between paychecks Lumi Money helps you see ahead before your money gets tight. So you can: • Stay ahead of bills and subscriptions • See how purchases affect upcoming spending • Plan ahead before bigger purchases • Make clearer spending decisions every day ______ BUILT FOR REAL LIFE Lumi Money is built for people who: • Live between paychecks • Want to avoid overdraft fees • Feel stressed checking their balance • Want a simpler way to manage spending • Want to know what they can actually spend today No spreadsheets. No complicated budgets. Just a clearer answer before you spend. ______ WHAT YOU GET • Daily Safe-to-Spend number • Real-time spending guidance • Cash flow forecasting • Secure bank connection • Spending insights • Overspending alerts • Simple money planning tools ______ If you’ve ever asked: “Can I afford this right now?” Lumi Money helps you answer that before you spend. ______ Terms of Service: https://www.lumimoney.com/legal/terms-of-service Privacy Policy: https://www.lumimoney.com/legal/privacy-policy ## Key features - Daily Safe-to-Spend number - Real-time spending guidance - Cash flow forecasting - Secure bank connection - Spending insights - Overspending alerts ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Lumi Money – Monthly | $20.00 | per month | ## Frequently asked questions about Lumi Money ### What is Lumi Money's main function? Lumi Money provides a daily 'Safe-to-Spend' number by analyzing your current balance, upcoming bills, subscriptions, and paycheck schedule. This helps you make informed spending decisions before you buy and avoid unexpected overdrafts. ### How does Lumi Money help with budgeting? Unlike traditional budgeting apps that focus on past expenses, Lumi Money helps you plan for the future by showing what you can safely spend today. It forecasts your cash flow, allowing you to stay ahead of bills and make clearer spending choices. ### Is Lumi Money secure? Yes, Lumi Money offers a secure bank connection to access your financial data. The app is built with user security in mind to protect your sensitive financial information. ### What devices does Lumi Money support? Lumi Money is available for iPhone and iPod devices. It is designed to provide spending insights and planning tools on these Apple platforms. ### What is the age rating for Lumi Money? Lumi Money has an age rating of 4+. This indicates it is suitable for a wide range of users, including younger individuals learning about financial management. ### Does Lumi Money have ads? Yes, Lumi Money contains advertisements. As a free application, it utilizes ads to support its services and development. ### What are the subscription options for Lumi Money? Lumi Money offers a monthly subscription plan at $20.00 per month, which includes a 14-day free trial. This subscription provides full access to the app's features. ### How often is Lumi Money updated? The latest version of Lumi Money is 1.1.3, and it was last updated on June 25, 2026. This suggests regular updates to improve functionality and security. ## Version history (last 5 releases) ### 1.1.3 — 2026-06-25 Daily Review Sessions: We added a focused review experience that brings your most important transactions to you — no more scrolling through everything. Each session gives you a small, curated set of items to review so Lumi can better understand your finances over time. Navigation improvements: The bottom navigation now uses a cleaner green highlight so it’s easier to see where you are in the app. Bug fixes and stability: We fixed issues affecting the review experience and improved internal analytics logging. No changes were made to your accounts, subscription, permissions, or data collection practices. ### 1.1.2 — 2026-06-09 Stability improvements and background updates. This release includes internal improvements to how we monitor app performance and user engagement. No changes to the core app experience — your Safe-to-Spend, bank connection, and spending guidance all work exactly as before. ### 1.1.0 — 2026-05-28 What’s new: • Faster app performance: The app now loads faster, especially when opening Lumi Money for the first time. • Improved Safe-to-Spend calculations: Your daily Safe-to-Spend now better reflects how you actually spend throughout the week instead of using a flat daily average. • Better future spending awareness: Lumi now gives clearer visibility into upcoming bills, subscriptions, and future expenses so you can plan ahead with more confidence. • New purchase planning tools: You can now check how future purchases may affect your money before you buy. • Improved forecasting experience: Forecast visuals and spending guidance are now easier to understand at a glance. • Cleaner onboarding and guidance: We simplified parts of the experience to make it easier to understand how Lumi Money works and what your Safe-to-Spend means. • Bug fixes and reliability improvements: We fixed several issues related to loading states, performance, and overall app stability. This update continues Lumi Money's mission to help you know what you can safely spend before you pay. ### 1.0.8 — 2026-05-05 Bug fixes and performance improvements. • Fixed an issue where some users on newer iPhones were unable to complete their subscription purchase. • Improved subscription restore reliability. ### 1.0.5 — 2026-03-04 Added App Tracking Transparency prompt for user privacy. Introduced in-app subscription plans (Monthly, Quarterly, Yearly) with a 14-day free trial. Performance and stability improvements. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-30.*