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
—
My Accounts
Import Transactions
Upload your bank statement in any format: CSV, QIF, 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 ▼
🛍️ 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%)
• 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 ▼
🔍 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
⭐ Cheaper alternatives to what you already pay
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?
Contact us at sales@lumia.app for enterprise pricing and custom solutions for teams.
💳 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
📊 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
?
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
—
Average Salary
—
Avg. rent per m²
—
Annual Gross
—
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.