Lumi vs Tael

Lumi helps you understand where your money goes, manage a monthly budget, and stay in control on your own or with housemates. EXPENSES AND BUDGET IN ONE PLACE Add expenses manually or with Apple Shortcuts. Set income, fixed expenses, and savings goals, then follow your daily and monthly budget. SHARED HOUSEHOLD FOR UP TO FOUR PEOPLE Manage personal and shared expenses, split amounts between household members, see who needs to transfer and how much, and record transfers that immediately reduce obligations. MONTHLY SCORE AND INSIGHTS Get a clear month-to-date score, category trends, and practical insights that help you spot overspending and savings opportunities. APPLE PAY AND SHORTCUTS Set up an automation in Apple Shortcuts to log payments quickly. Lumi automatically suggests a category based on the merchant and learns from your choices. MULTI-CURRENCY SUPPORT Choose a primary currency and add expenses in other currencies with current exchange-rate conversion. Some advanced features require a monthly Lumi Plus subscription. Your privacy matters. Your information is stored securely and is never sold to third parties. SUBSCRIPTION INFORMATION Lumi Plus is an auto-renewable monthly subscription. Payment is charged to your Apple Account. The subscription renews automatically unless canceled at least 24 hours before the end of the current period. You can manage or cancel it in your App Store account settings. Terms of Use: https://michael12987.github.io/legal/terms-en.html Privacy Policy: https://michael12987.github.io/legal/privacy-en.html

Every tap, already logged. Pay with Apple Pay and the charge is in Tael before your phone is back in your pocket. The merchant, the amount, the card. You did not open the app. In Hong Kong that includes Octopus — the MTR, the 7-Eleven counter, the ferry. No bank login. No account. No setup evening. Two minutes once, then it runs without you. For money Tael cannot see — cash, a market stall, a transfer — one press of the Action button, Siri or a widget logs it. YOU TEACH IT ONCE, IT STOPS ASKING Label a shop one time and a rule is written. Every later charge from it files itself. Rules are rules, not guesses. You can read every one in plain language, and nothing runs until you say yes. You could do all this in a spreadsheet. People do, for about three weeks. This is the version that survives a busy fortnight. IT TRACKS WHAT YOU ACTUALLY THINK ABOUT Not Shopping. Not Miscellaneous. The Japan trip. The kitchen renovation. Sundays with your dad. How good it felt. One purchase can belong to several at once — that supermarket run was part groceries, part the dinner party, part the trip — so you never have to pick. SO YOU CAN FINALLY ANSWER - What the whole trip cost, flights to the 1am souvenir - Whether this client is worth it, once the lunches and the software are in - What the hobby actually costs over a year, and whether you'd miss it - Which purchases you're still glad about Not after a weekend of reconciling. On a Tuesday, in four seconds. NOBODY SEES THIS BUT YOU Your transactions, merchants, amounts, cards, notes and rules never leave your iPhone. No server holds your ledger and no cloud model reads it. Backup goes to your own iCloud, and only if you turn it on. Tael fetches exchange rates and sends anonymous usage counts — never an amount, a merchant or a card. Which is why you'll actually record that the dinner was a 3 out of 10, or that you're still annoyed about the jacket. That's the honest version, and it's the one worth having. WHAT'S IN IT - Automatic logging from Apple Pay, and Octopus in Hong Kong - Quick logs from the Action button, Siri, widgets and Shortcuts - Rules suggested from your corrections, or written by you - Dimensions: your own lenses, as many as a purchase needs - Budgets, splits, and repeats that log themselves - Pay in yen, log in yen: 159 currencies, one ledger - Export to Excel, CSV, or Markdown written for an AI assistant - App lock, privacy screen, optional iCloud backup - Works offline, always WHO IT'S FOR People who tap to pay many times a day and want to know where the money went without doing bookkeeping. Not for people who want an app to drain a bank feed and budget for them with no involvement. Tael asks a little of you early on, and gives a lot back later. Tael is free, with no ads. Tael Pro is one payment, for life — there is no subscription. See the app for what it unlocks. Requires iPhone, iOS 18.4 or later. Automatic logging depends on Apple Wallet and Shortcuts. Apple Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Tael Terms of Use: https://usetael.com/terms Privacy Policy: https://usetael.com/privacy