The Home tab is your personal snapshot of everything happening in your finances — whether that’s just you, or you and your partner together.
Two spaces, one app
In Lumio, you have two spaces to organise your money:
🙋 Private Space – Track your personal spending, bills, and accounts. Share only what you want into your Shared Space.
🧑🤝🧑 Shared Space – Track all shared expenses, bills, and accounts in one place with your partner.
This setup gives you the best of both worlds: full visibility as a couple, without losing financial independence.
What you’ll see on your Home tab
While the layout may evolve, your Home screen currently includes:
Account Balances – A snapshot of your current account balances, savings, Credit cards, investments, and more.
Recent Transactions – A feed of your latest payments. Tip: To see a true picture of your shared finances, make sure you share all joint bills and expenses into your Shared Space.
Upcoming Bills – A snapshot of your upcoming bills for the week ahead
Getting started with your Home tab
To make your Home screen as accurate and helpful as possible, here are a few key setup steps:
Invite your partner to Lumio.
Connect your accounts:
Main personal bank account
Any active credit cards
Any joint accounts (mark as “Joint” and link to your Shared Space)
Set your spending cycle to match your payday — so you can easily see income vs. outgoings.
Share expenses from your Private to Shared Space for a single source of truth.
Set up your recurring costs (bills, subscriptions, or direct debits).
Once set up, your Home screen becomes the go-to hub for checking balances, tracking bills, and keeping your finances clear — both as individuals and as a couple.