Lukrio is the financial assistant that lives in WhatsApp. Send a message, a photo, or a voice note — it logs, categorizes, and tells you how you're doing.
coffee $5
9:14 ✓✓✅ Logged: $5.00 under Food
$142.50 spent on food this month
9:14✅ Receipt read: $247.30
Supermarket · 12 items · Food
9:47how am I doing this month?
9:48 ✓✓💸 $1,847 in April
🍔 Food $612 · 🚗 Transit $340 · 🏠 Home $520
9:48If every 3 months you "start tracking your money again," the problem isn't you. It's the tool.
You open Excel, find the sheet, find the row, type. Three weeks in, you stop opening it. Classic.
"I'll log it tonight." Spoiler: 48 hours later, half the small expenses are gone — and those are the ones that add up.
Picking a category for every expense kills the habit. You end up with 500 rows under "Other" and zero useful conclusions.
It's literally sending a WhatsApp message. You already know how to do that.
"coffee $5", "uber 18 to work", "grocery $247". Lukrio gets your natural style.
Receipt photo, voice note on the bus, or a PDF from your bank. Lukrio reads and extracts it automatically.
"how am I doing?", "transport expenses", "compare March to April". Answers in seconds.
| Feature | Excel / Sheets | Banking apps | Lukrio |
|---|---|---|---|
| Logging friction | ✕ High | ~ Medium | ✓ Very low |
| Voice / photo / PDF logging | ✕ | ✕ | ✓ |
| Auto categorization | ✕ | ~ | ✓ |
| Works with cash | ✓ | ✕ | ✓ |
| No bank credentials | ✓ | ✕ | ✓ |
| Couple / family (multi-user) | ~ | ✕ | ✓ |
| Typical 3-month abandonment | 80% | 60% | 12% |
If you want charts, month-over-month comparisons, or to export to Excel, request a temporary link from WhatsApp and you're in. No permanent passwords.
"I had 3 different spreadsheets and none of them were updated. With Lukrio I log an expense in 5 seconds and finally know what's happening with my money."
"My partner and I had been fighting about expenses for months. Now each of us logs from their WhatsApp and we see everything consolidated. Game changer."
"I'm a freelancer and income lands in chaos. I send Lukrio the bank PDF and it sorts everything itself. Brutal."
It's the process of recording, categorizing and reviewing where your money goes, so you can make informed decisions. It isn't about blindly cutting costs — it's about getting real visibility first.
Whatever you'll actually do every day. For most people, a low-friction app beats spreadsheets and paper. Lukrio uses WhatsApp — the app you already have open — to eliminate that friction.
It works in theory, but in practice 8 out of 10 people abandon it between week 2 and week 4. The friction of opening the sheet, finding the row, and typing is enough to break the habit.
No. Lukrio never asks for bank credentials. You tell it what you spend via WhatsApp (text, voice, photo, or PDF) and it records, categorizes, and totals.
Under 2 minutes. You sign up with your WhatsApp number, set a few categories, and you're ready to log your first expense.
Yes, a free plan to start. The paid plan includes a 14-day trial with no credit card. See the pricing page for current plans.
14-day trial, no card. If it doesn't click, just message "delete my account" on WhatsApp.
Try Lukrio freeNo card · No install · Cancel with one message