---
title: "Lumo: AI Money Tracker - Reviews, Revenue and Downloads in India | Apple App Store"
description: "Lumo is the private, AI-powered way to take control of your money. Track income, expenses, EMIs, savings goals, and investments — and finally understand where your money goes. Everything stays on your"
---

# Lumo: AI Money Tracker — India
> Budget, Expense & EMI Tracker

![Lumo App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/b8/4e/24/b84e249a-acbf-8386-a4d9-d9fc591c4907/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/400x400bb.png)

**Developer:** [BARAKVENTURES PRIVATE](https://apptail.io/developer/barakventures-private-GKciqc) (India)
**Category:** Finance
**Rating:** 5.0/5 (1 ratings)
**Price:** Free
**Bundle ID:** com.theophorussamuel.ledgr
**Store:** Apple App Store
**Country:** India
**Version:** 1.0 (released 2026-07-03)
**Original Release:** 2026-07-02

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/in/app/app/id6783591446)
**AppTail Page:** [https://apptail.io/app/lumo-ai-money-tracker-hbPA/india](https://apptail.io/app/lumo-ai-money-tracker-hbPA/india)

## Lumo Description
Lumo is the private, AI-powered way to take control of your money. Track income, expenses, EMIs, savings goals, and investments — and finally understand where your money goes. Everything stays on your device and in your own iCloud. We never see your financial data.

SMART, EFFORTLESS TRACKING
• Log expenses in seconds — type it, speak it, or snap a receipt
• On-device AI reads the amount, merchant, and category for you
• Custom categories and tags to track spending your way
• Recurring expenses, subscriptions, and bills handled automatically

BUILT FOR REAL LIFE
• Plan loans and EMIs across their full tenure — see every month at a glance
• Track subscriptions with start and end dates so nothing slips through
• Set monthly budgets and savings targets, and watch your progress
• Salary-day aware budgeting that fits how you actually get paid

SEE THE FULL PICTURE
• Net Worth tracker — assets, liabilities, and your bottom line, Stocks-app style
• Spending heatmap to spot your heaviest days
• Beautiful charts for income, expenses, and category breakdowns
• AI insights that explain your numbers in plain language

YOUR AI MONEY ASSISTANT
• Ask real questions about your finances and get real answers
• Powered by Apple Intelligence — runs entirely on your device
• No data sent to external AI servers, ever

PRIVATE BY DESIGN
• Your data lives on your device and your own private iCloud
• No third-party tracking, no analytics, no ads
• Face ID / Touch ID lock to keep everything secure
• Syncs seamlessly across your devices

STAY ON TRACK
• Daily spending nudges, weekly summaries, and EMI reminders
• Export clean PDF and CSV reports to share with your accountant or family

Lumo is free to use. Lumo Pro unlocks unlimited loans, goals, and investments; PDF & CSV export; Net Worth tracker; spending heatmap; advanced AI insights; voice entry; receipt scanning; and the AI assistant.

Your money. Understood.

—

Lumo Pro is an auto-renewable subscription.
• Monthly or annual billing
• Payment is charged to your Apple Account at confirmation
• Subscription automatically renews unless cancelled at least 24 hours before the end of the current period
• Manage or cancel anytime in your Apple Account settings

Privacy Policy: 
Terms of Use (EULA): 

## Lumo Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/d7/37/c4/d737c4e8-03e5-ee7c-7578-b948917b0f56/Frame_1.png/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/dd/4a/8d/dd4a8dc2-00ee-ad3c-4f96-42a39097596c/Frame_3.png/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/cc/34/f8/cc34f881-b600-fef2-1762-4d5494f04632/Frame_5.png/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/18/06/57/180657b9-1aa9-6026-3aa2-4e95c33eae71/Frame_2.png/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/28/1f/cc/281fccc0-5944-ad96-3b2b-7ea11d1235ee/Frame_4.png/1242x2688.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/80/f3/6f/80f36f5a-df0d-4986-bf4d-dd2bec281d30/Frame_6.png/1242x2688.png)

## Lumo Rating Breakdown in India
- 5 stars: 1 (100%)
- 4 stars: 0 (0%)
- 3 stars: 0 (0%)
- 2 stars: 0 (0%)
- 1 stars: 0 (0%)






## Lumo Available In
- [India](https://apptail.io/app/lumo-ai-money-tracker-hbPA/india)
- [Armenia](https://apptail.io/app/lumo-ai-money-tracker-hbPA/armenia)
- [Angola](https://apptail.io/app/lumo-ai-money-tracker-hbPA/angola)
- [Azerbaijan](https://apptail.io/app/lumo-ai-money-tracker-hbPA/azerbaijan)
- [Barbados](https://apptail.io/app/lumo-ai-money-tracker-hbPA/barbados)
- [Belgium](https://apptail.io/app/lumo-ai-money-tracker-hbPA/belgium)
- [Bulgaria](https://apptail.io/app/lumo-ai-money-tracker-hbPA/bulgaria)
- [Bahrain](https://apptail.io/app/lumo-ai-money-tracker-hbPA/bahrain)
- [Bermuda](https://apptail.io/app/lumo-ai-money-tracker-hbPA/bermuda)
- [Brunei](https://apptail.io/app/lumo-ai-money-tracker-hbPA/brunei)
- [Botswana](https://apptail.io/app/lumo-ai-money-tracker-hbPA/botswana)
- [Belarus](https://apptail.io/app/lumo-ai-money-tracker-hbPA/belarus)
- [Belize](https://apptail.io/app/lumo-ai-money-tracker-hbPA/belize)
- [Canada](https://apptail.io/app/lumo-ai-money-tracker-hbPA/canada)
- [Cyprus](https://apptail.io/app/lumo-ai-money-tracker-hbPA/cyprus)
- [Algeria](https://apptail.io/app/lumo-ai-money-tracker-hbPA/algeria)
- [Estonia](https://apptail.io/app/lumo-ai-money-tracker-hbPA/estonia)
- [Egypt](https://apptail.io/app/lumo-ai-money-tracker-hbPA/egypt)
- [Grenada](https://apptail.io/app/lumo-ai-money-tracker-hbPA/grenada)
- [Ghana](https://apptail.io/app/lumo-ai-money-tracker-hbPA/ghana)
- [Guyana](https://apptail.io/app/lumo-ai-money-tracker-hbPA/guyana)
- [Croatia](https://apptail.io/app/lumo-ai-money-tracker-hbPA/croatia)
- [Hungary](https://apptail.io/app/lumo-ai-money-tracker-hbPA/hungary)
- [Indonesia](https://apptail.io/app/lumo-ai-money-tracker-hbPA/indonesia)
- [Israel](https://apptail.io/app/lumo-ai-money-tracker-hbPA/israel)
- [Iceland](https://apptail.io/app/lumo-ai-money-tracker-hbPA/iceland)
- [Jamaica](https://apptail.io/app/lumo-ai-money-tracker-hbPA/jamaica)
- [Jordan](https://apptail.io/app/lumo-ai-money-tracker-hbPA/jordan)
- [Japan](https://apptail.io/app/lumo-ai-money-tracker-hbPA/japan)
- [Kenya](https://apptail.io/app/lumo-ai-money-tracker-hbPA/kenya)
- [Cambodia](https://apptail.io/app/lumo-ai-money-tracker-hbPA/cambodia)
- [South Korea](https://apptail.io/app/lumo-ai-money-tracker-hbPA/south-korea)
- [Kuwait](https://apptail.io/app/lumo-ai-money-tracker-hbPA/kuwait)
- [Cayman Islands](https://apptail.io/app/lumo-ai-money-tracker-hbPA/cayman-islands)
- [Lebanon](https://apptail.io/app/lumo-ai-money-tracker-hbPA/lebanon)
- [Sri Lanka](https://apptail.io/app/lumo-ai-money-tracker-hbPA/sri-lanka)
- [Lithuania](https://apptail.io/app/lumo-ai-money-tracker-hbPA/lithuania)
- [Luxembourg](https://apptail.io/app/lumo-ai-money-tracker-hbPA/luxembourg)
- [Latvia](https://apptail.io/app/lumo-ai-money-tracker-hbPA/latvia)
- [Madagascar](https://apptail.io/app/lumo-ai-money-tracker-hbPA/madagascar)
- [North Macedonia](https://apptail.io/app/lumo-ai-money-tracker-hbPA/north-macedonia)
- [Mali](https://apptail.io/app/lumo-ai-money-tracker-hbPA/mali)
- [Macao SAR China](https://apptail.io/app/lumo-ai-money-tracker-hbPA/macau)
- [Malta](https://apptail.io/app/lumo-ai-money-tracker-hbPA/malta)
- [Mauritius](https://apptail.io/app/lumo-ai-money-tracker-hbPA/mauritius)
- [Malaysia](https://apptail.io/app/lumo-ai-money-tracker-hbPA/malaysia)
- [Namibia](https://apptail.io/app/lumo-ai-money-tracker-hbPA/namibia)
- [Nigeria](https://apptail.io/app/lumo-ai-money-tracker-hbPA/nigeria)
- [Nepal](https://apptail.io/app/lumo-ai-money-tracker-hbPA/nepal)
- [New Zealand](https://apptail.io/app/lumo-ai-money-tracker-hbPA/new-zealand)
- [Oman](https://apptail.io/app/lumo-ai-money-tracker-hbPA/oman)
- [Philippines](https://apptail.io/app/lumo-ai-money-tracker-hbPA/philippines)
- [Pakistan](https://apptail.io/app/lumo-ai-money-tracker-hbPA/pakistan)
- [Paraguay](https://apptail.io/app/lumo-ai-money-tracker-hbPA/paraguay)
- [Qatar](https://apptail.io/app/lumo-ai-money-tracker-hbPA/qatar)
- [Romania](https://apptail.io/app/lumo-ai-money-tracker-hbPA/romania)
- [Saudi Arabia](https://apptail.io/app/lumo-ai-money-tracker-hbPA/saudi-arabia)
- [Singapore](https://apptail.io/app/lumo-ai-money-tracker-hbPA/singapore)
- [Slovenia](https://apptail.io/app/lumo-ai-money-tracker-hbPA/slovenia)
- [Slovakia](https://apptail.io/app/lumo-ai-money-tracker-hbPA/slovakia)
- [Senegal](https://apptail.io/app/lumo-ai-money-tracker-hbPA/senegal)
- [Suriname](https://apptail.io/app/lumo-ai-money-tracker-hbPA/suriname)
- [Thailand](https://apptail.io/app/lumo-ai-money-tracker-hbPA/thailand)
- [Tunisia](https://apptail.io/app/lumo-ai-money-tracker-hbPA/tunisia)
- [Taiwan](https://apptail.io/app/lumo-ai-money-tracker-hbPA/taiwan)
- [Tanzania](https://apptail.io/app/lumo-ai-money-tracker-hbPA/tanzania)
- [Ukraine](https://apptail.io/app/lumo-ai-money-tracker-hbPA/ukraine)
- [Uganda](https://apptail.io/app/lumo-ai-money-tracker-hbPA/uganda)
- [United States](https://apptail.io/app/lumo-ai-money-tracker-hbPA/united-states)
- [Uruguay](https://apptail.io/app/lumo-ai-money-tracker-hbPA/uruguay)
- [Uzbekistan](https://apptail.io/app/lumo-ai-money-tracker-hbPA/uzbekistan)
- [Venezuela](https://apptail.io/app/lumo-ai-money-tracker-hbPA/venezuela)
- [British Virgin Islands](https://apptail.io/app/lumo-ai-money-tracker-hbPA/british-virgin-islands)
- [Vietnam](https://apptail.io/app/lumo-ai-money-tracker-hbPA/vietnam)
- [United Arab Emirates](https://apptail.io/app/lumo-ai-money-tracker-hbPA/united-arab-emirates)
- [South Africa](https://apptail.io/app/lumo-ai-money-tracker-hbPA/south-africa)

---

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