Lumi: Budget & Expense Tracker
Logs expenses by voice or Apple Pay tap, no bank connection required
Lumi is an iPhone expense tracker that logs spending without linking a bank account: say an expense out loud, snap a receipt, or let Apple Pay purchases import automatically. Data stays on the device and the app works offline. It compares your current spend rate against three months of history to forecast your month-end balance 7-10 days out, and it's free, with a $4.99/month premium tier versus $40-109/year for rival budget apps.
What holds up
- +Never asks for bank credentials — data stays on the device
- +Apple Pay auto-import means zero manual entry for contactless purchases
- +Free to use, with premium at $4.99/month vs $40-109/year for rival apps
Mind the limits
- −iPhone only — Back Tap and Apple Pay import don't exist on Android
- −No bank sync means cash or non-Apple-Pay purchases still need voice or receipt entry
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