Dashboard
Welcome back! Here's your financial overview
Saved This Month
€1.286,00
↑ Savings rate 37%
Net Balance
€8.942,00
↑ All accounts
Monthly Spent
€2.104,00
↓ vs Feb €2.030,00
Remaining Budget
€716,00
↑ On track
📊 Income vs Expenses
💰 Budget Allocation Flow
Loading financial flow diagram...
📊 Recent Transactions
Total Balance
€8.942,00
↑ +€1.286,00 this month
Total Spent
€2.104,00
↑ vs €2.030,00 Feb
Total Saved
€1.286,00
↑ 37% rate
Investments
€0
Not connected
My Accounts
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Avg Monthly Spent
€2.643,00
Savings Rate
37%
Highest Expense
€1.100,00
Categories Tracked
8
Spending Distribution
€2.643
this month
Top 8 Categories
💳 Top Merchants
🛍️ Discretionary Spending Analysis
EMOTIONAL EXPENSES
€763
Avoidable this month
POTENTIAL SAVINGS
34.8%
Of total spending
💰 Investment Alternatives — Redirect Emotional Spending
MONTHLY INVESTMENT
€763,00
€9156/year
INITIAL AMOUNT
€48
Smallest entry point
10-YEAR POTENTIAL
€7.749
Compound growth
💡 Growth Insight:
By redirecting €763.00/month from emotional spending to diversified ETFs with ~7% average annual returns, you could accumulate approximately €216135 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%)
• 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)
• 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%)
• Zirspilot (4.2%)
• ING-DiBa (4.2%)
• Comdirect (3.9%)
💎 Feature 1: Wealth Projection Dashboard (5-Year Growth)
🎯 Feature 2: Smart Investment Allocation
🔍 Feature 3: What Triggers Your Spending?
🎪 Feature 4: Monthly Savings Challenge
💰 Feature 5: Tax-Optimized Investment Strategies
🎯 Financial Goals Progress
📈 Savings History
Income
€3.480,00
Transaction (1)
Expenses
€2.104,00
Transactions (18)
Avg Per Day
€73,00
This month
Largest Expense
€127,80
Largest expense
All Transactions - March 2026
Total Budgeted
€3.500,00
Categories (4)
Total Spent
€1.367,00
% Used
Remaining
€2.133,00
On track
Over Budget
1
Streaming
Days Remaining
Total Saved
€8.532,00
Goals (3)
Monthly Added
€1.286,00
Savings Rate
37%
Projected Dec
€18.834,00
🎯 Savings Goals
📈 Savings History
Potential Saving
€1.680,00
Opportunities
5
Earliest Win
€265,00/yr
Time to Switch
~2 hrs
⭐ Personalized Savings Opportunities
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❓ Frequently Asked Questions
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Yes! You can cancel your subscription at any time from your account settings. No questions asked.
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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.
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Absolutely! Upgrade or downgrade your plan at any time. Changes take effect immediately.
Is there a Family or Team plan?
Contact us at sales@lumia.app for enterprise pricing and custom solutions for teams.
Active Plans
5
Monthly Billed
€37,00
Yearly Cost
€444,00
Next Billing
05/04/26
💳 Your Subscription Plans
📊 Subscription Management
Potential Savings
€180,00/year
by removing unused services
Total Partners
6
Benefits Unlocked
24
Total Savings
€450,00
Average Rating
4.8⭐
🤝 Our Trusted Partners
Exclusive offers & benefits for Pocket Money Advisor users
🎁 Available Benefits
🔷
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
📊 Partner Dashboard
Real-time overview — May 2026
🟢 Live
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
3
⚠ 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
📈 Analytics
Subscription growth & distribution
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
🎫 Claims
Customer claims & support tickets
All (5)
Open (1)
In Progress (2)
Resolved (2)
| Claim ID | Customer | Issue Type | Priority | Status | Date | Action |
|---|---|---|---|---|---|---|
| #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 |
👥 Customers
1,847 active customers across all tiers
| Customer | Tier | Status | Member Since | MRR | Action | |
|---|---|---|---|---|---|---|
| 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 |
🏆 Subscription Tiers
Your PMA visibility plan & listing position
🥇
Your Current Plan
Gold
€2,000/month + €40 per sign-up
Category
Neobanks
Listing Position
#3 of 8
Conversions this month
12
⬆️
Upgrade to Platinum — claim position #1 in Neobanks
Featured listing with reviews, performance metrics & dedicated account manager
Platinum
#1–2
€3,500/month
+ €75 per sign-up
⭐ Top 1–2 positions in category
⭐ Featured with reviews & metrics
⭐ Dedicated account manager
⭐ Full API access & integrations
⭐ Advanced analytics & export
● Your Plan
Gold
#3–4
€2,000/month
+ €40 per sign-up
✅ Top 3–4 positions in category
✅ Featured listing with basic info
✅ Analytics dashboard & reports
✅ Priority email support
❌ No dedicated account manager
Silver
#5–7
€1,000/month
+ €20 per sign-up
🔹 Positions 5–7 in category
🔹 Standard listing
🔹 Basic analytics & reports
❌ No featured placement
❌ No API access
Bronze
#8+
€400/month
+ €8 per sign-up
▫️ Position 8+ in category
▫️ Basic listing (name only)
❌ No analytics access
❌ No featured placement
❌ Community support only
💳 Billing
Your PMA subscription & performance fees
Monthly Subscription Fee
€2,000
Gold tier — fixed cost
Performance Fees (May)
€480
12 conversions × €40
Total Paid YTD
€12,960
Jan–May 2026
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
10
Savings account sign-ups
2
Monthly conversion trend
Jan
Feb
Mar
Apr
May
Invoice History
| Invoice | Period | Tier | Base Fee | Perf. Fees | Total (incl. VAT) | Status | Action |
|---|---|---|---|---|---|---|---|
| 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 |
⚙️ Settings
Partner profile & API configuration
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 PartnerAPI 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
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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
Privacy & Security
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Only used to improve your experience
Biometric login
Face ID or fingerprint
Two-factor auth
SMS code on each login
Preferences
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Language
Month start day
City Profile
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🏛️ Berlin
▼
📊 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
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Legal
Danger Zone
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