Lumo Journal
Product notes, behind-the-scenes stories, and the thinking behind Lumo.
Topics
A user wrote in to say the app was eating his savings. He was right. This update fixes five ways Lumo was hiding money from you: one-time income that never counted, an over-budget button that did nothing, balances that refused to go negative, and repaid loans that never came back.
We built a subscription system that limits how much you use, not what you can use. Go behind the scenes of our Convex-powered tier system, grab your extended trial, and learn why everything is currently free while we stress-test the limits.
Why we replaced convenient multi-device access with a "digital bouncer" that only lets one phone into your data at a time—and why your stolen device will hate us for it.
Most budgeting software is built for payroll employees from the 1950s. We engineered Income Streams for the "I get paid on the 15th, 28th, and whenever invoices clear" reality.
After struggling with Excel spreadsheets and invasive finance apps that sold my data, I built Lumo—a privacy-first money tracker designed for real life. Here is the story of why I spent three months creating an expense management tool that actually respects your financial privacy and does not require a accounting degree to use.