spending

I owe you tracker

Know where you stand

Keep it fair with Lumio’s IOU Tracker

When you and your partner split bills and expenses from different accounts, Lumio’s IOU Tracker keeps it simple.

See exactly who owes who — and how much — in real time.

Split it your way

Time Whether you split everything 50:50, 60:40, or 70:30, Lumio adjusts to match your financial setup.

No more awkward money chats or messy spreadsheets.o settle up? Simply settle up in app, or just mark it as settled once you’re level.

Settle up anytime

When you're ready, settle up in the app and reset the balance to zero — so you can focus on what matters, not who paid last.

Join 40,000 happy couples

We are on a mission to help couples thrive financially — together.