Start free. Upgrade only if you want the full toolkit.
Try everything free for 15 days, with no card to enter. After that, keep the essentials free for as long as you like, or choose Premium for the complete set of features.
The essentials stay free
Your first 15 days unlock every feature, no card required. When the trial ends, viewing your money, adding income, budgeting, multi-currency and your profile stay free for as long as you like. Premium is there when you want the full toolkit.
- View your accounts, balances and history
- Add income and build budgets
- Multi-currency and your profile settings
- No credit card, no bank login
What Premium adds
Premium unlocks the complete set of features. The price points below are for reference; you upgrade inside the app, and the essentials stay free either way.
Monthly Pro
Works out to $4.99 a month
Billed monthly. Cancel whenever you like.
Choose Monthly Pro6-Month Pro
Works out to about $4.17 a month
One payment covers six months and saves you roughly 17 percent.
Choose 6-Month ProAnnual Pro
Works out to about $4.00 a month
Our best value. One yearly payment saves you about 20 percent.
Choose Annual ProPrices are in US dollars. The free essentials stay free; Premium is an optional upgrade you make inside the app.
Everything Premium unlocks
The essentials stay free forever. Premium adds the rest of the toolkit on top:
- Track expenses and transfers, not just income
- Money Circle and loans, with installment schedules
- Recurring transactions and savings goals
- Bills, subscriptions and the financial calendar in one place
- Smart reminders for bills, renewals and money owed
- Proactive insights that explain your own numbers in plain language
- Cash flow and balance projections for the months ahead
- A financial health score and your monthly review
- Reports you can read at a glance, with CSV export
- Privacy first by design, with no bank login and encrypted records
Pricing questions, answered
Do I need a credit card to start?+
No. Signing up is free and never asks for payment details. You get 15 days with every feature unlocked, and the essentials stay free after that.
What stays free after the trial?+
Viewing your accounts, balances and history, adding income, building budgets, multi-currency and your profile settings all stay free for as long as you like. Premium adds expense and transfer tracking, Money Circle and loans, recurring transactions, savings goals, the proactive insights and the projections.
What is the difference between the three Premium plans?+
The features are exactly the same in all three. The only difference is how often you pay. Paying for six months or a year at once simply lowers the effective monthly cost.
How do I upgrade or cancel?+
You upgrade to Premium inside the app, and you can cancel any time. If you cancel, you keep Premium until the end of the period you already paid for, then move back to the free essentials.
Is my financial information private?+
Completely. You enter your own data, so we never ask for bank logins, PINs or card codes. Your records are scoped to your account, encrypted, and never sold. You can read more on our security page.
Is LumynFi a bank or a financial advisor?+
No. LumynFi is a tool for organizing and keeping records of your money. It does not move money, give financial or tax advice, or recommend products. Every decision stays with you.
Start free, stay as long as you like
Explore the features in detail, or read the guides to get the most out of organizing your money with LumynFi.