# Lumo: AI Money Tracker

> Lumo: AI Money Tracker (iPhone/iPad app by Theophorus samuel.)

- Source: https://appshunter.io/ios/app/lumo-ai-money-tracker/id6783591446 (this page in markdown: same URL + `.md`)
- Developer: [Theophorus samuel](https://appshunter.io/developer/1084431277)
- Category: Finance, Lifestyle
- Price: Free
- Age rating: 4+
- Requires: iOS 26.0 · 6 MB
- Languages: English, Hindi
- Released: 2026-07-02
- Data updated: 2026-07-04
- User reviews in markdown: https://appshunter.io/ios/app/lumo-ai-money-tracker/id6783591446/reviews.md

## What is Lumo?

Lumo is the private, AI-powered way to take control of your money. Track income, expenses, EMIs, savings goals, and investments — and finally understand where your money goes. Everything stays on your device and in your own iCloud. We never see your financial data.

SMART, EFFORTLESS TRACKING
• Log expenses in seconds — type it, speak it, or snap a receipt
• On-device AI reads the amount, merchant, and category for you
• Custom categories and tags to track spending your way
• Recurring expenses, subscriptions, and bills handled automatically

BUILT FOR REAL LIFE
• Plan loans and EMIs across their full tenure — see every month at a glance
• Track subscriptions with start and end dates so nothing slips through
• Set monthly budgets and savings targets, and watch your progress
• Salary-day aware budgeting that fits how you actually get paid

SEE THE FULL PICTURE
• Net Worth tracker — assets, liabilities, and your bottom line, Stocks-app style
• Spending heatmap to spot your heaviest days
• Beautiful charts for income, expenses, and category breakdowns
• AI insights that explain your numbers in plain language

YOUR AI MONEY ASSISTANT
• Ask real questions about your finances and get real answers
• Powered by Apple Intelligence — runs entirely on your device
• No data sent to external AI servers, ever

PRIVATE BY DESIGN
• Your data lives on your device and your own private iCloud
• No third-party tracking, no analytics, no ads
• Face ID / Touch ID lock to keep everything secure
• Syncs seamlessly across your devices

STAY ON TRACK
• Daily spending nudges, weekly summaries, and EMI reminders
• Export clean PDF and CSV reports to share with your accountant or family

Lumo is free to use. Lumo Pro unlocks unlimited loans, goals, and investments; PDF & CSV export; Net Worth tracker; spending heatmap; advanced AI insights; voice entry; receipt scanning; and the AI assistant.

Your money. Understood.

—

Lumo Pro is an auto-renewable subscription.
• Monthly or annual billing
• Payment is charged to your Apple Account at confirmation
• Subscription automatically renews unless cancelled at least 24 hours before the end of the current period
• Manage or cancel anytime in your Apple Account settings

Privacy Policy: https://contractuallegal.notion.site/ledgr-Privacy-Policy-3897ff24ba6980f0a690f9a896edfebf
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/


## Version history (last 1 release)

### 1.0 — 2026-07-03

No release notes.

## More apps by Theophorus samuel

- [Bible Quiz Trivia](https://appshunter.io/ios/app/bible-quiz-trivia/id1084431278)

All apps by Theophorus samuel: https://appshunter.io/developer/1084431277

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*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 2026-07-04.*