Lumio

Lumio is a financial management application specifically designed for couples who want to coordinate their shared expenses, reduce household costs, and build savings together. The platform allows two partners to connect their bank accounts, credit cards, and other financial accounts in one secure space. Users have full control over what information is shared with their partner — they can choose to share one-off expenses, recurring bills, account balances, and transaction histories, or keep certain items private. This flexibility ensures that each person maintains financial autonomy while working toward joint goals. The app provides a clear snapshot of both personal and shared spending, showing exactly where every dollar goes. When a couple incurs a shared expense, such as a dinner out or a utility bill, either partner can log it in the app, and the system automatically tracks who paid and how much is owed. This eliminates the need for manual calculations or awkward conversations about money. Beyond expense tracking, Lumio helps couples identify wasteful household bills — for example, subscriptions they no longer use or overpriced insurance — and suggests ways to cut costs. The savings from these reductions can be redirected into a shared savings goal, such as a vacation fund, a home down payment, or an emergency reserve. The platform also features a shared home dashboard where both partners can view their combined financial picture at a glance. This includes a timeline of recent transactions, a breakdown of spending categories, and progress toward savings targets. Couples can set up automatic rules: for instance, splitting a recurring bill 50/50 each month or alerting both partners when a large purchase is made. Security is a core priority — all data is encrypted, and e