lukrio
Your AI agent for personal finance

Your financial copilot to understand, organize, and take care of your money

Lukrio understands your expenses, income, and habits to help you organize your money, protect your budget, and make better decisions.

Start free — take control of your money in 2 minutes 14 days free · No credit card · Nothing to download
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Lukrio
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As easy as texting a friend

Step 1

Send anything

Text, voice note, photo of a receipt, or a PDF. Lukrio reads it all and extracts the details automatically.

Step 2

We categorize it

AI assigns the right category — groceries, transport, dining, utilities — and logs it instantly.

Step 3

Ask what you need

Ask "how am I doing this month?", "how's my transport budget?", "compare my last few months?". No app to open, no statements to dig through.

More money and peace of mind, no magic tricks

Meet Daniel.

Not just an app that stores your expenses. An assistant that talks, decides, and teaches — in the app you already have open.

  • Logs whatever you tell him — text, voice, photo, or PDF
  • Answers anything you ask, in real time
  • Warns you before you blow your budget
  • Helps you decide whether to spend or save
  • Explains financial concepts when you're unsure
Learn more about Daniel
To understand
"how much have I spent on dining?"
You're at $325. Your budget was $300 — 8% over.
To decide
"can I spend $200 this weekend?"
You can — but you'd close negative. You have $120 left.
To save
"how much can I save this month?"
At your pace, you can save $520. That's 17% of your salary.
To learn
"what's an emergency fund?"
A 3 to 6 month cushion of essential expenses. I can walk you through it step by step.

Everything you need. Nothing you don't.

Expenses and income, all in one

Send anything via WhatsApp — text, voice, photo, or PDF. Lukrio understands, categorizes, and saves it.

How are you doing with money?

Daniel looks at your numbers and explains in plain words if you're on track, where money is leaking, and how much you can save.

Visual reports & charts

See your spending, income, and trends through clear, interactive charts.

Export to Excel

Download your finances as an Excel file with one message — ready to analyze or share.

Smart categories

Auto-categorized expenses with custom category support.

Your receipts, stored

Send a photo of your receipt and Lukrio saves it. When you need it, just ask on WhatsApp.

Web dashboard

Review, edit, and export your activity at app.lukrio.com — from your phone or your laptop.

Category budgets

Set a spending limit per category. Lukrio warns you on WhatsApp before you go over.

Private and secure

Your data is encrypted and only you have access. No bank connections — you decide what to log.

Simple, honest pricing

Basic
Free

Get started — use it at no cost.

  • View balance & history
  • Ask your spending summary
  • Up to 20 transactions/month
Get started free
Most popular
Personal 30% OFF
$4.90 $7 / month

For people serious about their finances.

  • Everything in Basic
  • Unlimited transactions
  • Image, voice & PDF receipts
  • Visual reports & charts
  • Excel export
  • Priority support
Start 14-day free trial
Family 30% OFF
$8.40 $12 / month

Shared finances for the whole family.

  • Everything in Personal
  • Up to 5 members per account
  • Per-member spending view
  • Shared family budgets
  • Priority support
Get the Family plan

🎉 30% off active. Lock in this price while it's available.

Your data, protected.

End-to-end privacy

Your financial data is encrypted at rest and in transit. We never sell or share your data.

You control your data

Request a full export or deletion of your data at any time, no questions asked.

WhatsApp security

Every message between you and Lukrio is end-to-end encrypted by WhatsApp. No third party — not even us — can intercept or read your financial data.

Start managing your money today

No app. No spreadsheet. Just WhatsApp.

Get started for free