Lumio: Couples finances

Lumio is a free money management app that helps the modern couple keep track of all their shared bills, expenses & save, together.
‍
*Track bills, expenses and balances as a couple, or just your own.
*Share one-off expenses or share in bulk - you're in control.
*Cut the Cost of living together
‍
Get full visibility of all your finances so you know where you stand as a couple.
Coordinate your shared spending. Save more, argue less, and progress together.

Lumio makes it easy for you and your partner to control your money together - without the faff of a splitwise account or ledger.

Track all of your account balances, shared household expenses, and investments in one place. Collaborate with your partner and reach your financial goals faster.

*All your accounts, shared in real-time in one place - Get shared visibility and total alignment with your partner. So you can make your next smart move as a team.

*Choose what you share, securely - You decide which balances, bills & expenses you share. Keeping you both on the same page - without the faff of creating a joint account or manual ledgers like Splitwise.

*Keep tabs on your shared finances - Track any household expense, from any account. Know where you stand, who contributed, and what is owed. So you can settle up fairly and transparently - without mental maths.

*Settle-up automatically - Instantly settle-up on any IOUs between you and your partner, so you're always on the same page.

Set up affordable & automatic savings rules to achieve your goals together.

KEY FEATURES:

● Track your net worth across all your accounts in one money dashboard

● Track, split & share bills effortlessly - like Splitwise with a brain

● Manage all your accounts in one place - just like Snoop

● Save straight into your existing accounts - including GoHenry, Marcus, Monzo, Rooster Money

● Manage & organise all your bills & subscriptions (like Snoop)

● Track all your spending and expenses (like Emma Finance)

● Set clear financial goals and work towards them (just like Mint)

● Get actionable insights you won’t get from your bank

● Track how your spending changes over time

● Avoid overdraft charges

● Combine all your pensions - including Pensionbee, Nest Pension, Aegon Pension

● Get spending and balance notifications

PRO/PREMIUM FEATURES:

● Fully customise your money management cycle. Pay-day to pay-day, date-to-date, month-to-month (like YNAB You Need A Budget)

● Connect the value of everything you own to Lumio using Offline Accounts

● Unlock access to all your historic financial data across all accounts

● Unlock an unlimited net-worth graph & data to see your all-time progress

● Save and move money between any account (Monzo, Marcus by Goldman Sachs, Revolut, Natwest & all banks)

● Visual and statistical spending and income breakdown by category

LUMIO CONNECTS WITH ALL YOUR BANK ACCOUNTS

● Bank accounts: HSBC, Barclays, Monzo, Natwest, Santander, Revolut, Starling & more

● Savings accounts: Marcus by Goldman Sachs, Virgin Money, OakNorth, Nationwide & more

● Credit Cards: American Express (Amex), Barclaycard, Lloyds, Natwest & more

● Cryptocurrency: Coinbase, Revolut, eToro & more

● Pensions & Investments: Nutmeg, Moneyfarm, EToro, Hargreaves Lansdown, AJ Bell, PensionBee, Nest Pension, Aegon Pension & more

BANK-GRADE SECURITY

Have total confidence that your money mentor is protected as a result of 256-bit encryption and a 5-number pin.

The same security as used in world-leading banks with military-grade encryption.

SAFE & REGULATED

Lumio is registered with the Financial Conduct Authority under the Payment Services Directive for the provision of payment services. Here’s our reference number: 844741

Lumio is registered with the Information Commissioner’s Office in compliance with the Data Protection Act 1998. Data Protection Registration Number: ZA548961