Hey Product Hunt! 👋

I'm Santosh, an independent product designer and the maker behind Lumio.

I've been working on Lumio because I believe managing personal finances shouldn't require juggling multiple apps, spreadsheets or constantly switching between tools.

So I decided to build something simpler.

Lumio is a free personal finance tracker that brings your financial picture together in one place, without connecting your bank account.

Here's what you can do with Lumio:

Track income and expenses across multiple accounts.
Import bank statements (PDF, Excel and CSV) and review transactions before adding them.
Create budgets and savings goals.
Manage recurring expenses and upcoming bills.
Understand your spending through insights and reports.
Export transactions as PDF or Excel files.

A few things about Lumio:

No bank linking.
No advertisements.
No subscriptions.

I designed Lumio in Figma and built the entire product with the help of Claude AI. It's currently available as a web app.

I'm excited to share it with this community and would genuinely appreciate your feedback.

A few things I'd love to learn:

Does Lumio make managing your finances easier?
How useful is the bank statement import and review experience?
What features or improvements would make you use Lumio regularly?

Thanks for checking it out. Looking forward to your feedback!

- Santosh