Every finance app wants your bank login or a monthly fee. Luno wants neither. Track income and expenses across multiple accounts. See your daily burn rate, financial runway, and savings rate. Compare this week vs last week automatically. Everything stores locally on your device using SQLite. No account. No server. No third-party access. Ever. Free tier is fully usable. One-time unlock for advanced analytics. No subscription. No recurring charge.

Wispr Flow: Dictation That Works Everywhere — Stop typing. Start speaking. 4x faster.

Stop typing. Start speaking. 4x faster.

Hey Product Hunt — I'm the solo developer behind Luno. I started building this because I was frustrated. Every finance app I tried either wanted my bank credentials, pushed me toward a $10/month subscription, or quietly synced my spending data to servers I'd never see. I just wanted a simple answer to: how many days could I survive if I stopped earning tomorrow? That number — financial runway — is what drove me to build Luno. It's the metric that makes abstract savings feel real. The app is local-first by design. No backend infrastructure exists. Your data never leaves your phone. This was a conscious choice, not a limitation. I built it solo with React Native + Expo + SQLite over several months of nights and weekends. The free tier gives you full transaction tracking forever. Premium unlocks the analytics engine with a one-time lifetime purchase — no subscription, ever. I'd genuinely love your feedback — especially on the freemium split and the UX. Happy to answer anything.

Wispr Flow: Dictation That Works Everywhere — Stop typing. Start speaking. 4x faster.

Stop typing. Start speaking. 4x faster.

Luno — Offline Expense Tracker

Track money privately. No cloud. No login. No subscription.

Track money privately. No cloud. No login. No subscription.