Lumo — Support

Need help with Lumo? We're a small team and happy to help. Email us and we'll get back to you as soon as we can.

Last updated: June 24, 2026

Frequently asked questions

Is my financial data private?

Yes. Lumo is private by design. Your data lives on your device and, if you enable it, syncs only to your own private iCloud account. We don't run analytics or tracking servers, and the developer never sees your financial data. See our Privacy Policy for details.

Do I need an account to use Lumo?

No. Lumo works fully without signing in. Sign in with Apple is optional — it's only used to sync your data across your devices via iCloud.

How does the AI work? Does it send my data anywhere?

Lumo's AI features (voice entry, receipt scanning, insights, and the assistant) run entirely on your device using Apple Intelligence. Nothing is sent to external AI servers. These features require a device that supports Apple Intelligence; on other devices they're simply hidden.

Why are some AI features unavailable on my device?

Apple's on-device AI (Apple Intelligence) is only available on certain newer devices and must be enabled in iOS Settings. If your device doesn't support it, the rest of Lumo works normally.

What is Lumo Pro and what does it include?

Lumo Pro is an optional subscription that unlocks unlimited loans, goals, and investments; PDF & CSV export; the Net Worth tracker and spending heatmap; advanced AI insights; voice entry; receipt scanning; and the AI assistant. Lumo is free to use without Pro.

How much does Lumo Pro cost?

Pricing is shown in the app and varies by country. It's available as a monthly or annual subscription — the annual plan is the best value.

How do I cancel my subscription?

Subscriptions are managed by Apple. Open iOS Settings → tap your name → Subscriptions → Lumo, then cancel. Your Pro features remain active until the end of the current billing period.