Dashboard

Welcome back! Here's your financial overview

Saved This Month

—

Net Balance

—

↑ All accounts

Monthly Spent

—

Remaining Budget

—

↑ On track

📊 Income vs Expenses

💰 Budget Allocation Flow

Loading financial flow diagram...

📊 Recent Transactions ▼

Total Balance

—

Total Spent

—

Total Saved

—

Investments

€0

Not connected

My Accounts

Import Transactions

Upload your bank statement in any format: CSV, Excel, PDF or MT940. We auto-detect 20+ banks across DE, FR, NL, GB and ES.

No imports yet. Upload your first bank statement above.

🔒 Your Data & Privacy

FAQ

Where is my bank data stored? ▼

Do you store my original bank statement file? ▼

What usage data do you collect? ▼

Why file upload instead of connecting my bank? ▼

Do Clerk or Sentry see my transactions? ▼

Who else can access my financial data? ▼

Is this GDPR compliant? ▼

How do I permanently delete my data? ▼

Spending Distribution

All imported transactions

Top 8 Categories

💳 Top Merchants ▼

🚗 Car Running Costs ▼

Monthly avg

—

Yearly total

—

Per day

—

⛽

Fuel

—

🔧

Repairs & maintenance

—

🚘

Car insurance

—

Fuel, repairs and car insurance — excludes financing and depreciation.

🧒 Childcare Costs ▼

Monthly avg

—

Yearly estimate

—

Per day

—

💡

In many EU countries, childcare costs are partially tax-deductible or reimbursed. Check your national tax authority or social services for available benefits.

🏠 Home Repair Costs ▼

TOTAL SPENT

—

LARGEST REPAIR

—

AVG PER REPAIR

—

💡

In Germany, labor costs for home repairs are tax-deductible under §35a EStG — up to €1,200 tax credit/year. Keep your invoices.

🛍️ Discretionary Spending Analysis ▼

DISCRETIONARY TOTAL

—

avg per month · all data

% OF SPENDING

—

Of total spending

💰 Investment Alternatives — Redirect Emotional Spending ▼

MONTHLY INVESTMENT

—

— /year

MINIMUM TO START

—

Trade Republic ETF plan

10-YEAR POTENTIAL

—

at 7% avg annual return

💡 Growth Insight:

By redirecting your discretionary spending to diversified ETFs with ~7% average annual returns, you could build significant wealth over 10 years.

📊 Investment Resources — German Banks & Platforms ▼

🏦 NEOBANKS

Mobile-first banking

• N26 (3.8%)
• Revolut (3.6%)
• Wise (4.0-4.5%)
• Bunq (3.2%)

🏢 DEPOT ACCOUNTS

ETF & Stock Trading

• Trade Republic (€0)
• Scalable Capital (€0)
• eToro (€0)
• DEGIRO (€0-2.50)

💰 SAVINGS RATES

Best interest rates

• Wise (4.5%)
• Zirspilot (4.2%)
• ING-DiBa (4.2%)
• Comdirect (3.9%)

💎 Feature 1: Wealth Projection Dashboard (5-Year Growth) ▼

🎯 Feature 2: Smart Investment Allocation ▼

🔍 What Triggers Your Spending? ▼

Based on category patterns in your transactions — click a trigger to see an analysis.

🎪 Monthly Savings Challenge ▼

Real weekly spending vs your income-based weekly target.

🎯

This month's challenge

Keep weekly spending under —

Target = monthly income ÷ 4 · covers all spending categories

—

weeks on track

💰 Tax-Optimized Investment Strategies ▼

Projections based on your actual savings. Returns shown after Abgeltungsteuer (26.375%).

🎯 Financial Goals Progress ▼

📈 Savings History ▼

All Transactions

Budget Overview

🎯 Savings Goals

📈 Savings History

⭐ Personalized Savings Opportunities

Simple, Transparent Pricing

Start free, upgrade when you need advanced features

🎉 Beta access — unlimited during alpha

💳

Subscription plans coming soon

You're on free beta access during our launch phase — no limits, no credit card needed. We'll notify you when paid plans go live.

❓ Frequently Asked Questions

Can I cancel my subscription anytime?

Yes! You can cancel your subscription at any time from your account settings. No questions asked.

Do I need a credit card for the free trial?

No credit card required for the 45-day free trial. You'll only be charged after the trial period ends if you choose to upgrade.

Can I switch plans anytime?

Absolutely! Upgrade or downgrade your plan at any time. Changes take effect immediately.

Is there a Family or Team plan?

💳 Your Subscription Plans

🤝 Our Trusted Partners

Exclusive offers & benefits for Pocket Money Advisor users

🔷

Partner Portal

Access your dedicated partner dashboard to manage claims, subscriptions, customers and real-time analytics.

✓ Partner Access Includes

🎫 Claims management & customer support 📊 Real-time subscription analytics & KPIs 👥 Full customer directory with tier view 🏆 Platinum / Gold / Silver / Bronze tier config 💳 Billing & invoice management ⚙️ API keys & partner account settings

Active Subscriptions

1,847

↑ +12% this month

Monthly Recurring Revenue

€47,320

↑ +8.3% vs last month

Churn Rate

2.1%

↓ −0.4% improvement

Open Claims

⚠ 1 urgent

Tier Breakdown

Platinum312 subscribers

Gold587 subscribers

Silver623 subscribers

Bronze325 subscribers

Recent Activity

New sub Lucas Bernard subscribed to Gold 2m ago

Claim Customer A opened #CLM-4821 14m ago

Upgrade Emma Hoffmann upgraded to Platinum 1h ago

Renewal 18 subscriptions auto-renewed 3h ago

Resolved Claim #CLM-4818 marked resolved 5h ago

Subscription Growth

Total active subscriptions — last 6 months

Tier Distribution

Current subscribers by tier

Avg Revenue Per User

€25.62

↑ +3.1% vs last month

New Subscribers (May)

+198

↑ Best month this quarter

Trial Conversion Rate

14.7%

→ Stable

All (5)

Open (1)

In Progress (2)

Resolved (2)

Claim ID	Customer	Issue Type	Priority	Status	Date
#CLM-4821	Customer A	Service Issue	🔴 High	Open	2026-05-06
#CLM-4820	Thomas Müller	Billing Error	🟡 Medium	In Progress	2026-05-05
#CLM-4819	Marie Dupont	Account Access	🟡 Medium	In Progress	2026-05-04
#CLM-4818	Jan Kowalski	Feature Request	⚪ Low	Resolved	2026-05-03
#CLM-4817	Anna Schmidt	Data Export	⚪ Low	Resolved	2026-05-01

Customer	Email	Tier	Status	Member Since	MRR
Customer A	—	Platinum	● Active	Jan 2024	€29.99
Thomas Müller	t.mueller@example.de	Gold	● Active	Mar 2023	€19.99
Marie Dupont	marie.d@lumia.fr	Gold	● Active	Jun 2023	€19.99
Jan Kowalski	jan.k@example.pl	Silver	● Active	Sep 2024	€9.99
Anna Schmidt	a.schmidt@mail.de	Silver	● Suspended	Feb 2025	€0.00
Kenji Tanaka	k.tanaka@example.jp	Bronze	● Active	Apr 2025	€4.99

🥇

Your Current Plan

Gold

€2,000/month + €40 per sign-up

May 2026 — Invoice Breakdown

INV-LUM-2026-05 · Due 15 Jun 2026

Base subscription — Gold tier

Fixed monthly fee · Neobanks category

€2,000

Performance fees

12 conversions × €40 per sign-up

€480

VAT (20%)

€496

Total due

€2,976

Conversions — May 2026

Neobank account openings

Savings account sign-ups

Monthly conversion trend

Jan

Feb

Mar

Apr

May

Invoice History

Invoice	Period	Tier	Base Fee	Perf. Fees	Total (incl. VAT)	Status
INV-LUM-2026-05	May 2026	Gold	€2,000	€480	€2,976	Pending
INV-LUM-2026-04	Apr 2026	Gold	€2,000	€360	€2,832	Paid
INV-LUM-2026-03	Mar 2026	Gold	€2,000	€200	€2,640	Paid
INV-LUM-2026-02	Feb 2026	Gold	€2,000	€280	€2,736	Paid
INV-LUM-2026-01	Jan 2026	Gold	€2,000	€240	€2,688	Paid

Partner Profile

Company Name

Lumia Financial Services GmbH

Partner ID

PRT-2024-00142

Contact Email

partner@lumia-finance.com

Partner Since

January 2024

Partner Level

Certified Partner

API Configuration

API Key (Production)

                                    lma_prod_••••••••••••••••••••XR42
                                    
                                

API Key (Sandbox)

                                    lma_test_••••••••••••••••••••YT91
                                    
                                

Webhook URL

https://hooks.lumia-finance.com/wh/00142

Rate Limit

10,000 req/hour (0.3% used)

⚙️ Settings

Customize your preferences and regional settings

Profile

Notifications

Budget alerts

Notify at 80% of budget

Large transactions

Transactions above €100

Weekly digest

Sunday summary email

New opportunities

When we find a cheaper alternative

Email notifications coming soon — your preferences are saved.

Privacy & Security

Anonymise data

Only used to improve your experience

Two-factor authentication & passkeys

Set up an authenticator app or passkey, or change your password — securely managed by our authentication provider.

Preferences

Currency

Language

Month start day

My Categories

Your own categories for the things built-in ones miss. Create them from the ✎ button on any transaction.

City Profile

Select your city to get localized salary and rent data

📊 Current Profile

City

Berlin

Average Salary

€2,600

Monthly Rent

€800

Annual Gross

€31,200

About this city

Tech hub & startup capital. Vibrant culture, great public transport, affordable living.

Data & Privacy

Export my data

Download a JSON file with all your account data (GDPR portability).

Legal

App Version

Loading…

Danger Zone

Change Password

Update your account password.

Delete Account

Permanently delete all data.

Name	Savings Rate	Fee	Features	Open
N26	3.8%	€0-2.99/mo	Mobile-first, ETF trading, Spaces	→
Revolut	3.6%	€0-13.99/mo	Multi-currency, Stocks, Crypto	→
Wise	4.0-4.5%	€0 (fee-based)	Multi-currency, Investment-ready, Best rates	→
Bunq	3.2%	€0-99/mo	Mobile banking, Investment features, Premium	→

Name	Trading Fee	Minimum	Features	Open
Trade Republic	€0	€1	Stocks, ETFs, Options, No fees	→
Scalable Capital	€0	€0	Stocks, ETFs, Crypto integration	→
eToro	€0	$200 (~€200)	Stocks, ETFs, Social trading	→
DEGIRO	€0-2.50	€0	Low-cost European broker, Bonds	→

Provider	Interest Rate	Min. Deposit	Features	Open
Wise	4.5%	€1	Multi-currency, Competitive rates	→
Zirspilot	4.2%	€100	Fixed deposits, FDIC insured	→
ING-DiBa	4.2%	€0	German bank, Online savings	→
Comdirect	3.9%	€0	Daily interest accrual, Flexible	→