# Lumyo: Money Clarity — See the impact before you buy > See the impact before you buy (iPhone/iPad app by evelyn flavia cavalcante de souza.) - Source: https://appshunter.io/ios/app/lumyo-money-clarity/id6795587040 (this page in markdown: same URL + `.md`) - Developer: [evelyn flavia cavalcante de souza](https://appshunter.io/developer/6776774297) - Category: Finance - Price: Free with in-app purchases - Age rating: +4 - Requires: iOS 15.0 · 21 MB - Languages: American English - Released: 2026-08-13 - Data updated: 2026-11-06 ## What is Lumyo? 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/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Lumyo Premium monthly | $3.99 | per month | | Lumyo Premium yearly | $24.99 | per year | ## Is Lumyo safe? Not enough ratings yet to assess Lumyo. ## Is Lumyo legit? Lumyo: Money Clarity has limited verification signals. The AppsHunter Legitimacy Score for Lumyo is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Version history (last 5 releases) ### 1.6 — 2026-10-22 • New: Lumo! Choose who walks with you — Lumy or Lumo — for free, right at the start or any time in Settings. • Sage theme, in green and sand, free for everyone. • See the months ahead: we show where each future entry was saved, and you can tap any month in the "next months" card to see what is already recorded and expected in it. The values in that card are estimates. • Backup reminder: every now and then, a gentle nudge to keep a copy of your data, with the date of your last backup in Settings. • Text and visual polish. ### 1.5 — 2026-10-18 Lumy is even more present! Now she is with you from the very first steps, with a simple guide to help you start organizing your finances. ### 1.4 — 2026-10-10 • A much fuller "Can I afford it?": month-by-month analysis, interest (or the installment amount), card limit and real paths — buy now, save to pay upfront, or adjust your budget for a while. • Lumy now reminds you in the evening to log the day's spending (and stays quiet if you already did). Your most repeated expenses are one tap away. • Quarterly and yearly bills, which only weigh in the months they're due. • Edit a fixed bill choosing from which month the change applies — earlier months don't change. • Installment purchases split into "open" and "completed", keeping the installment numbering. • Clearer numbers: Home's available amount now says "after planned bills". ### 1.3 — 2026-10-01 New optional welcome guide with Lumy, Help & Feedback in Settings, purchase details in credit card statements, currency conversion preview and fixes, plus improved contrast and readability. ### 1.2 — 2026-09-01 We've adjusted how your balance carries from one month into the next, so the amount you have available keeps following you correctly. There are also improvements to category budgets, future expenses, fixed bills paid by card, spending history and next-month projections. All your entries stay exactly as they were — when you update, your balance is recalculated automatically. ## Apps similar to Lumyo | App | Rating | Price | Category | | --- | --- | --- | --- | | [Loopro](https://appshunter.io/ios/app/loopro/id6760047324) | — | Free | Finance | | [Recontrol: Personal Finance](https://appshunter.io/ios/app/recontrol-personal-finance/id6760203523) | — | Free | Finance | | [Net Worth Tracker : Vaultly](https://appshunter.io/ios/app/net-worth-tracker-vaultly/id6762087409) | — | Free | Finance | | [SplitGo: Dividir Contas](https://appshunter.io/ios/app/splitgo-dividir-contas/id6788014356) | — | Free | Finance | | [CrocoSight](https://appshunter.io/ios/app/crocosight/id6761007395) | 5.0 (1) | Free | Finance | | [BlackBird: Budget Planner](https://appshunter.io/ios/app/blackbird-budget-planner/id6759757687) | — | Free | Finance | --- *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 2026-11-06.*