No. Start with the numbers you know, whether you’re building savings or working through debt. You can review the assumptions and add more detail when you’re ready.
Is Lumo free?
Lumo’s planning tools are free during early access*. A paid subscription is planned afterwards, with a discounted rate for early members. We’ll share the price and terms before you choose whether to subscribe. Expert calls are separate: your first 10 minutes are free, and any further price is shown before you book.
Do I need to connect my bank?
No. Enter your numbers yourself, or upload statements and payslips to fill in your numbers. Nothing connects to your bank directly.
Can I plan with my partner?
Yes. Add both your incomes, savings, debts and costs to one picture, so you plan from the same numbers.
Is this financial advice?
No. Lumo shows possible outcomes based on your inputs and assumptions, rather than guaranteed results. Expert calls provide guidance, not regulated financial advice or recommendations for specific financial products.
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