Simple, honest pricing
Start free forever or try any paid plan for 14 days. Upgrade, downgrade, or cancel at any time — no penalties, no lock-in.
Free
Essential tracking with no time limit and no credit card.
- Expense & income tracking
- Dashboard & net worth overview
- Net worth snapshots
- Mobile app (iOS & Android)
- Multi-language (EN / FI / SV)
Basic
Full budget control, goals, and analytics for everyday finance.
- Everything in Free
- Budget management & categories
- Goals & savings planning
- Debt tracking & payoff planner
- Calendar view
- Analytics & spending trends
- PDF & CSV export / import
- All 6 financial calculators
Premium
For investors and power users who want the full picture.
- Everything in Basic
- Stock portfolio tracking
- Crypto portfolio tracking
- Other assets (real estate, vehicles…)
- Automatic bank sync (PSD2)
- AI financial insights
- Finance Journey & achievements
- Priority support
All prices in EUR, billed monthly. View billing FAQ
14-day free trial, risk-free
Full access to your chosen plan. Cancel before day 14 and pay nothing.
Full feature comparison
Everything included in each plan, side by side.
Free
€0
Basic
€7/month
Premium
€12/month
Core Tracking
Expense & income tracking
Dashboard overview
Net worth snapshots
Mobile app (iOS & Android)
Multi-language (EN / FI / SV)
Budgeting & Goals
Budget management
Custom categories & icons
Goals & savings planning
Debt tracking & payoff planner
Calendar view
Analytics & Tools
Analytics & spending trends
PDF & CSV export
CSV import
Financial calculators (6)
Investments
Stock portfolio tracking
Crypto portfolio tracking
Other assets (real estate, vehicles…)
Live FX rate conversion
Bank Sync
Automatic bank sync (PSD2)
Smart transaction categorisation
Payee rules management
15+ EU countries supported
AI & Gamification
AI financial insights
Finance Journey & milestones
Achievements & badges
Support
Community support
Priority support
Common questions
Still unsure? See the full FAQ or contact us.
Do I need a credit card to start?+
No. The Free plan requires no credit card and has no time limit. For Basic and Premium trials, you enter payment details but are not charged until the 14-day trial ends.
What happens after the trial?+
If you do nothing, your subscription activates and you're billed at the plan's monthly rate. You can cancel any time before the trial ends from Settings → Billing and you won't be charged at all.
Can I change or cancel my plan?+
Yes. Upgrade, downgrade, or cancel at any time from Settings → Billing. Cancellations take effect at the end of the current billing period — no partial refunds, no lock-in.
Is my financial data secure?+
Yes. All data is encrypted in transit (TLS) and at rest. Bank sync uses read-only PSD2 OAuth — your bank credentials are never stored. Luminoly is fully GDPR compliant.
Which banks are supported for auto-sync?+
Bank sync works with 2,000+ banks across 15+ EU countries including Finland, Sweden, Norway, Denmark, Germany, France, the Netherlands, the UK, and more.
Is there a mobile app?+
Yes. Luminoly has native iOS and Android apps covering the dashboard, transactions, goals, and profile. The mobile app is included in all plans at no extra cost.
Ready to take control of your finances?
Join thousands of users who track their money smarter with Luminoly. Free forever, or try any paid plan with a 14-day trial.
No credit card required · Cancel anytime · GDPR compliant