Take Control of Your Financial Future
Luminoly brings all your finances into one intelligent platform — track spending, manage budgets, invest smarter, and sync your bank accounts automatically.
No credit card required · Cancel anytime · GDPR compliant
Total Net Worth
€24,850
Budget Used
62%
Goals
3 Active
Portfolio
€8,420
↑ 8.2%
AI Insight
You're on track to reach your emergency fund goal 2 months early.
15+
EU Countries Supported
3
Languages
6
Financial Calculators
100%
GDPR Compliant
Everything you need to master your finances
From daily expense tracking to investment portfolio management — Luminoly covers every aspect of your financial life.
Smart Budgeting
Set budgets by category, track spending in real time, and get alerts before you overspend.
Investment Portfolio
Monitor stocks, crypto, and other assets with live price data and multi-currency FX conversion.
Automatic Bank Sync
Connect bank accounts and import transactions automatically via secure PSD2 APIs across Europe.
AI-Powered Insights
Receive personalized financial recommendations based on your spending, goals, and investments.
Goals & Debt Tracking
Set savings goals, plan debt payoff strategies, and hit milestones with progress tracking.
Finance Journey
Stay motivated with a gamified progression system that rewards healthy financial habits.
Your bank data, always up to date
Connect accounts from banks across Europe via secure PSD2-compliant APIs. Transactions import automatically and are intelligently categorised — no manual entry needed.
- Supports 15+ EU countries including Finland, Sweden, Germany & more
- Smart auto-categorisation with custom payee rules
- Review and approve transactions before they're added
- Bank-level security — your credentials are never stored
Connected Accounts
Synced just nowNordea
Checking •••• 4821
€3,240.50
SEB
Savings •••• 9103
€12,800.00
Deutsche Bank
Current •••• 5567
€8,109.20
3 new transactions to review
Dining out is 40% over budget this month. Cooking at home 3 more times this week would bring you back on track.
You're ahead of your emergency fund goal! At this pace you'll hit your target 2 months early.
Your portfolio is 85% equities. Consider adding bonds to reduce volatility as you approach your goal date.
Your personal financial advisor, powered by AI
Luminoly analyses your spending patterns, budget performance, debt load, and investments to deliver actionable recommendations — automatically.
- Personalised budget, debt, and investment recommendations
- Priority-ranked insights — high, medium, and low
- Context-aware links directly to the relevant feature
- Refreshes on demand whenever you need a fresh perspective
Simple, transparent pricing
Start free and upgrade when you need more power.
Free
Get started with essential finance tracking at no cost.
- Expense & income tracking
- Dashboard overview
- Net worth snapshots
- Mobile app access
Basic
Full control over your budget, goals, and debt.
- Everything in Free
- Budget management
- Goals & debt tracking
- Analytics & PDF export
- 6 financial calculators
- CSV import
Premium
For investors and advanced financial planning.
- Everything in Basic
- Stock & crypto portfolio
- Automatic bank sync
- AI financial insights
- Finance Journey & achievements
Start managing your finances intelligently
Join Luminoly today — free to start, no credit card required.