Choose a way to keep track of spending
Different situations call for different tools, from capturing a purchase to reviewing a category. Explore examples and precautions before choosing your next action. Learn more
Your finance assistant on WhatsApp
Where did my money go? Find out free.
Chat with Lukre on WhatsApp: send expenses as a message, voice note or receipt photo, ask for reminders and find out where your money went. It is free for the whole household, with 150 credits a month.
No card: 150 credits a month for up to 5 people in your household.
WhatsApp · LukreFictional example
How much did I spend on takeout this month?
You logged $210.00 on takeout. Shall we look at the summary?
Log it with a messageSend a voice noteShare a receipt photoGet remindersCheck the dashboardUnderstand your spending
Prepare for your first week
Understand the path from creating your free account to checking your first records, with guidance for each stage of your routine. Learn more
To see how many people fit in a household and how credits work, visit the free plan page.
One plan, free
Free for the whole household.
No card and no charges. Every household gets 150 credits a month with everything included: text, voice and photo entries, summaries, fixed bills, budgets, reminders and the web dashboard.
Free
For the whole household, everything included.
- 150 credits a month
- Up to 5 people in the household
- Text, voice and photo logging
- Expenses organized by category
- History and summaries
- Fixed bills, goals and reminders
- Web dashboard with charts and calendar
Free, no card. The credit limit keeps use fair and Lukre free for everyone.
Good questions
Let’s clear
things up.
The basics to help you decide whether Lukre fits your routine.
Is Lukre really free?
Yes. Creating your household, inviting people and using every feature costs nothing, and signing up does not ask for a card. Every household gets 150 credits a month to chat with Lukre.
What are credits?
Credits measure the work Lukre does to answer you. Each message someone in the household sends uses credits according to the effort of the reply, and a short text uses little. Ask “how many credits do I have?” on WhatsApp or see the balance at /conta.
What uses more credits?
Voice notes, receipt photos, PDFs and report requests use more than a short message because they take more work to interpret. Reminders Lukre sends on time use no credits, and neither does the dashboard.
What happens when credits run out?
Past 80% of the month, one reply carries a notice. When credits run out, the chat pauses: each new message gets a notice with the renewal date. Reminders keep arriving, and the dashboard, statements and exports stay available.
When do credits renew?
On day 1 of every month, at midnight in your household’s time zone. Leftover credits do not carry over. If you start mid-month, you get the full allowance in your first month.
How many people can use it?
Up to 5 people per household, counting the owner and pending invitations. Credits belong to the household and are shared by everyone.
Why is there a limit?
Every reply has a real processing cost. The limit keeps Lukre free for everyone and use fair: one household per WhatsApp number and no multiple accounts to add up credits.
Is my data treated differently because it is free?
No. The rules are the same: everything you send, including receipts, extracted text and derived files, is visible to all active household members. Copies downloaded outside Lukre cannot be revoked. Lukre does not connect to banks and only knows what you record. Data is deleted 90 days after cancellation or suspension, with export available before deletion. We use no advertising trackers.
Can I get more credits?
Credits renew every month. If your household needs more, contact support at [email protected]: the operator can expand credits case by case.