Most people can name their salary off the top of their head, but the full picture of what they actually earn is fuzzier than that. There's the regular paycheck, sure — but also the occasional freelance project, the side gig that pays in bursts, a refund here, a bonus there. Add it all up across a real month and the number is often quite different from the one in your head. LumynFi's income tracker exists to make that number clear, honest and effortless to keep.
It is a straightforward record-keeping tool: you note the money that comes in, tag where it came from, and LumynFi organizes it into a tidy monthly overview. Recurring money like your salary can be set once and logged automatically going forward, while one-off income takes seconds to add. There's no forced bank login and nothing to connect — you stay in control of exactly what gets recorded, and your numbers stay private to you.
Every kind of money in, in one clear place
Income rarely arrives in a single, neat stream. The income tracker is built to hold all of it without forcing everything into the same shape:
- Recurring income — money that arrives on a regular rhythm, like a monthly salary, a weekly wage, or a retainer. Set it up once and LumynFi keeps logging it on schedule.
- One-off income — money that lands once, like a freelance invoice, a bonus, a gift, a refund, or proceeds from selling something. Add it the moment it arrives, in a few taps.
- Multiple income sources — give each stream its own name and category, so your day job, your side projects and everything else stay clearly labelled rather than blurred into one lump.
Each income entry carries the essentials: an amount, a date, the source or category it belongs to, and the account it landed in. You can add a short note — an invoice number, a client name, what the payment was for — so your records mean something when you look back at them weeks later. Everything is recorded in your own currency, and LumynFi supports multiple currencies and languages if your money comes from more than one place.
Built for steady salaries and irregular income alike
If you earn the same amount on the same day every month, a recurring income rule keeps your records up to date with zero ongoing effort. If your income is lumpy — common for freelancers, contractors, and anyone with a side hustle — you can mix recurring entries with one-off ones freely. That combination is what makes LumynFi genuinely useful for irregular earners: the predictable parts run themselves, and the unpredictable parts are quick to capture while they're fresh in your mind.
Why it helps
See your true monthly earnings
LumynFi totals every income entry into a clear monthly figure, so you know what you actually brought in — not just your base salary, but the side income and one-offs too.
Set salary once, log it forever
A recurring income rule records your regular pay automatically on the right date each period. Set it up one time and your salary keeps showing up in your records without you lifting a finger.
Keep every source clearly labelled
Name and categorize each income stream — day job, freelance, rental, refunds — so you can tell at a glance how much each one contributes and never lose track of where money came from.
Clear records you can rely on
Every entry keeps its amount, date, source and an optional note, giving you a clean income history you can review any time. Tidy records make month-end painless and keep your own bookkeeping straightforward.
Real-life use cases
A salaried job plus a side hustle
Set your monthly salary as a recurring entry so it logs itself, then add each side-gig payment as it arrives. At month's end you see exactly how much came from the day job versus everything else — no guesswork.
Freelancers with irregular income
When pay lands in unpredictable bursts, log each invoice the day it's paid and tag it by client or project. Over a few months your records reveal your real earning pattern, which is hard to feel when income is lumpy.
Two earners, one household view
Record income from more than one job or person under separate sources, in one or more currencies, and let LumynFi roll it into a single monthly total — a clear overview of all the money coming into the home.
How recurring income works
Recurring income is for money that arrives on a predictable schedule. You create the rule once — the amount, how often it repeats (weekly, monthly, or another rhythm), the source it belongs to, and the account it lands in — and LumynFi handles the rest, recording the income on each due date so your monthly total is always current.
- 1Add a new income entry and mark it as recurring.
- 2Enter the amount and choose how often it repeats and on which date.
- 3Pick the source or category — for example, Salary — and the account it's paid into.
- 4Save the rule. LumynFi logs each occurrence automatically going forward.
- 5If your pay changes, edit the rule once and future entries follow the new amount.
Because recurring entries post on schedule, your records stay accurate even in months you don't open the app. And because they're just records — not transfers or payments — LumynFi never touches a bank or moves any money. It simply keeps your own income history complete and current.
Income flows into your cash flow and reports
Recording income isn't only about a running list — it's about understanding your money. Every income entry feeds straight into the rest of LumynFi, so the number you earn connects to the bigger picture without any extra work on your part.
- Your dashboard shows a clear overview of money in this month, right alongside what's going out.
- Cash flow places income next to expenses over time, so you can see the shape of money coming in versus going out.
- Income reports break your earnings down by source and by month, turning a list of entries into a picture you can actually read.
All of this is calculated from your own recorded numbers — the figures are computed in code, precisely, and the optional premium AI simply narrates them in plain language. Nothing is invented; the AI only describes what your records already show, so the totals you see are exactly the totals you logged.
Private records, kept the way you want
Your income is sensitive, and LumynFi treats it that way. Records are scoped to your account, encrypted at rest, and never sold or shared. There is no forced bank connection — you decide what to enter, whether by adding entries yourself or using LumynFi's smart entry to speed things up. Either way, the numbers stay yours.
LumynFi will never ask for a bank password, PIN, card CVV, or any login to an outside account, because it doesn't need them — it's a record-keeping tool, not a banking or payment service. That boundary is deliberate: you get a complete, organized picture of your earnings without handing over credentials to anyone.
Frequently asked questions
Can I track more than one income source?
Yes. You can record as many income sources as you like and give each its own name and category — salary, freelance work, refunds, and more. LumynFi keeps them clearly separated and rolls them into one monthly total so you can see how each contributes.
How do I track irregular or freelance income?
Add each payment as a one-off income entry the moment it arrives, and tag it by client, project, or category. You can also mix in recurring entries for any steady portion of your income, which makes LumynFi well suited to lumpy, unpredictable earnings.
Does LumynFi connect to my bank to import my salary?
No. There's no forced bank login. You record your salary yourself — as a recurring entry that logs automatically, or manually — and LumynFi keeps the record. It never asks for bank passwords, PINs, or card details.
Can I see my total monthly earnings?
Yes. LumynFi totals every income entry into a clear monthly figure shown on your dashboard, and income reports break it down by source and by month so you can see exactly where your earnings came from.
Does the income tracker give tax advice?
No. LumynFi is a record-keeping tool, not a tax or financial advisor. It helps you keep clear, organized income records that are easy to review, but it does not provide tax, legal, or financial advice of any kind.
Is the income tracker free?
Yes. Recording income, setting up recurring entries, and viewing your monthly overview are free. An optional premium tier adds AI narration that describes your recorded numbers in plain language, but the tracking itself costs nothing.
When every bit of money coming in has a home — your salary on its schedule, your side income the day it lands, each source clearly labelled — your earnings stop being a vague feeling and become a number you can trust. LumynFi's income tracker keeps that record clean, current and private, and connects it to your cash flow and reports so the money you earn always makes sense in context. Record it once, see it clearly, and keep income records you'll be glad to have.
See exactly what you earn each month
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