Lumyo: Money Clarity

Know what you can really spend this month. Lumyo is more than an expense tracker. It helps you understand your money before you make a decision — taking your fixed expenses, installments and upcoming commitments into account to show what is actually available to you. No complicated spreadsheets. No judgment. Just a clearer way to look at your money and make choices with more confidence. Thinking of buying something? "Can I afford it?" checks the purchase month by month with your real numbers — bills, installments, card, budget and interest — and shows real paths: buy now, save up to pay upfront, or adjust your budget for a while. Nothing is saved until you confirm. YOUR MONEY, MADE CLEARER With Lumyo, you can: • See how much is truly available after your monthly commitments • Track income and expenses in seconds • Organize fixed expenses and installment purchases • Manage credit cards and understand when purchases will actually affect your budget • See upcoming months and plan ahead • Create your own categories • Work with multiple currencies EXTRA INCOME, ALL IN ONE PLACE Have a side hustle, sell products or offer services? Lumyo helps you understand what you're actually earning. You can: • Track payments received and still to come • Record the real expenses related to your extra income • Understand how much is actually left after costs • Calculate the estimated cost of materials per product or service • Consider other costs such as electricity, rent, internet, transportation and fees • Understand your estimated margin and earnings per hour • Get help calculating a price that makes sense for your work Your extra income stays separate from your personal finances until you decide to transfer it. LUMY IS HERE WITH YOU Lumy is Lumyo's friendly guide. She helps you understand your numbers with clear, supportive language — without guilt, pressure or complicated financial jargon. WITH LUMYO PREMIUM Unlock even more ways to organize and understand your money: • Extra Income tools and pricing calculators • Savings goals with targets and deadlines • “Can I afford it?” purchase simulator • More credit cards • Themes to personalize your Lumyo experience • Lumy customization • Weekly financial check-ins YOUR DATA IS YOURS Your financial information stays on your device. Your amounts are not used for advertising or sold to third parties. You can also export a backup whenever you want. Available in English, Portuguese and Italian. Clarity to decide. Your money, your choices. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/