Everyone’smoney,inoneplace.
One place for your money, your family’s money, and everyone’s share of it — offline-first, collaborative, and built to sync without ever asking for your bank password.
Product showcase
Watch a real entry happen.
Quick Add Everything starts from one button.
Tap The sheet is there before you finish reaching for it.
Type The calculator is the keyboard — ≤ 2 taps and ≤ 2 seconds.
Done Saved — optimistic, offline-first, synced to everyone.
This is the real thing — tap the FAB, type on the calculator, hit SAVE.
How it works
Four screens, one calm habit.
Workspace
Start in a Workspace.
Personal, family, or a trip — everyone’s money has a home, with live presence and per-member accents when it’s shared.
Wallets
Every account, one total.
Cash, bank, e-wallets, and credit cards — grouped by type, with card liabilities modeled the way Money Manager users expect.
Budgets
Safe-to-spend, at a glance.
Budgets show pace, what’s left, and a daily safe amount — from your personal plan to shared budgets with member contributions.
Insights
See where it goes.
Proactive, dismissible, explainable insights — plus breakdowns and this-vs-last-month comparisons. Never guilt-based.
Everything else, built in
Beyond the everyday entry.
Split bill
Scan the receipt with OCR, assign or edit items — even add them manually — and everyone knows exactly what they owe.
Cicilan — installments
Every plan tracked: monthly amount, amortization, and your debt-free date — from phone plans to the motor.
Vault
Valuables and collectibles with live market value, behind biometric lock — feeding straight into net worth.
Budgets
Safe-to-spend per day, pace, shared member contributions — and honest status that’s never colour alone.
Spotify + YouTube Music — Rp 138,000/mo overlap.
Subscriptions
Renewals on a calendar, price hikes flagged, and the gym you stopped going to — surfaced gently.
Debts
Who owes whom, partial repayments, settle-up — kept honest across the whole workspace.
Why different
Built for how money actually moves.
Actually offline-first
Most finance apps stall without a connection. Lumbung logs everything locally and syncs the moment you’re back — flights, basements, spotty warungs included.
Real sync, not just backup
Field-level merge with vector clocks means two people can edit offline at once — no single device holds the “true” copy, and nothing silently overwrites.
Shared, without losing privacy
Workspaces for family, roommates, or a trip. Everyone sees exactly what their role allows — nothing more.
No bank scraping, ever
Provider-agnostic, consent-based connections only. Your bank password never touches our servers — or exists on them at all.
Trust & security
Security isn’t a feature. It’s the foundation.
A finance app earns trust quietly — not with a checklist. Here’s the part we don’t compromise on.
Encrypted at rest & in transit
Every ledger entry is encrypted on your device before it ever leaves it — in transit, and sitting on our servers.
Passkeys & biometric lock
Face ID, fingerprint, or a passkey — sign in without another password sitting somewhere waiting to leak.
Your data, exportable anytime
A full export, on demand, no questions asked. We built the way out before we built the way in.
Everyone’s money, in one place.
We’re building in the open. Join the waitlist and be first in when Lumbung opens its doors.