Ready in 3 steps

From sign-up to your first financial report in under 5 minutes.

Step 1

Daniel welcomes you and asks for three details

As soon as you open the chat, Daniel — Lukrio's AI agent — introduces himself and asks for your name, your country, and your email address. That's all he needs to create your account automatically. No forms, no app, no passwords.

Just your name, country, and email
No bank credentials or passwords
Ready in under 2 minutes

Hi! I'm Daniel, your personal finance AI agent. To create your account I need three things — what's your name?

Maria

Great, Maria. Which country are you in?

United States

Perfect. Last one — what's your email address?

maria@email.com

You're all set, Maria! Send me your first expense whenever you're ready.

Step 2

Send your expenses any way you like

Text, voice, photo or PDF: Lukrio understands any format. It logs, categorizes and confirms in real time. Made a mistake? Just tell it and it fixes it.

Expenses and income in the same chat
Automatic AI categorization
Multiple currencies and multiple users

Lunch with Camila $28

Logged: Food · $28 · Lunch with Camila

receipt.jpg

I read your receipt. Groceries $145 at the supermarket. Save it?

Step 3

Ask for reports in plain language

"How am I doing this month?" or "show me my food spending." Lukrio answers instantly. When you need more detail, open the web dashboard for charts, month-over-month comparisons and Excel exports.

Monthly summary and budget alerts
Web dashboard for visual analysis and export
Month-by-month history and comparisons

How am I doing this month?

April summary (day 20)
• Expenses: $1,482 (82% of budget)
• Income: $2,200
• Top category: Food ($420)
• Savings this month: $718

Web dashboard?

Here's your access:
app.lukrio.com/t/abc123

What you can do with Lukrio

Your whole personal finance system operated from a chat. What used to require opening multiple apps now fits inside a message.

Log expenses

By text, audio, photo of a receipt or PDF statement. Lukrio extracts amounts, categorizes and saves.

Log income

Salary, client payments, rent. All in the same assistant, with category and source.

Ask without opening apps

"How much did I spend on food this week?" or "how am I tracking against budget?" Instant answers on WhatsApp.

Multiple users and currencies

Use Lukrio as a couple, as a family, or across currencies. Every entry is tagged and consolidable.

Monthly budget

Set goals per category. Lukrio warns you before you overspend, not after.

Reports and exports

Ask over chat or open the web dashboard for detailed charts, comparisons and Excel export.

Why this works (and spreadsheets don't)

The difference between a system you quit in 2 weeks and one you actually use for years.

Zero apps to install

WhatsApp is already open on your phone. No friction of opening another app and no learning curve.

Works with cash and card

We don't rely on a bank connection. Log cash spending just as easily as card purchases.

We never ask for bank credentials

We don't see your bank. You tell us what you spend; we never touch your accounts.

Multi-user by design

Your partner, your kids, your team — each from their own WhatsApp. All consolidated.

How Lukrio works