No bank connection
Add expenses manually or scan receipts. Nothing links to your bank account.
Expense control with AI
Know what you can still spend — until payday.
Lyamo turns receipts and purchases into a clear budget: what’s spent, what’s left, and how much you can spend per day. AI scans receipts and answers from your numbers — no bank connection.
No card required · Full dashboard · Free plan included
Your finances. Your data. No bank login.
Built for EU privacy expectations — you stay in control.
Data & privacy
We process data in the EU. Delete your account — we delete your data. Privacy Policy is available before you sign up.
AI under your control
AI drafts receipts and answers from your numbers. Nothing is saved without your confirmation.
Payments via Stripe
Checkout and subscription management through Stripe Customer Portal — no card required to start.
Read before you create an account: Privacy PolicyTerms of ServiceImpressum
Not another expense notepad. An expense control system.
See decisions for today — not only last week’s history.
Budget from payday to payday
Set your cycle start day. See remaining budget and your daily allowance — no guessing if you’ll make it to the 1st.
Receipt → categories in seconds
Snap a photo, review the AI draft, optionally split by category. No retyping line items.
AI that knows your numbers
Chat and insights use your budget, fixed costs, and category limits — not generic internet advice.
Receipt scanner
Your receipt does the work.
Photo → AI draft → save. Optionally split items across categories so charts and limits stay accurate.
AI assistant
An assistant that calculates on your data.
Ask about patterns, limits, or “what if I buy X?”. Answers use your budget, fixed costs, and days until payday.
AI tips are informational and are not financial advice. AI proposes — you confirm.
Limits where spending usually slips.
Set category caps. Browse history cycle by cycle. Keep recurring bills in one total.
Category limits
Progress bars on the dashboard before you overshoot the plan.
Full history & fixed costs
Edit entries, group receipt splits, and include subscriptions in your total.
PLN, EUR, GBP, USD
Log in any supported currency — view everything in your primary currency.
On your phone
The same Lyamo in your phone browser.
Budget, scanner, and assistant — no native app install required.
Creator
A real person behind Lyamo — not an anonymous team.
I’m Piotr Kulbacki. I build Lyamo in Berlin as an independent product: expense control without bank login, clear privacy rules, and AI that you confirm.
Piotr Kulbacki
Lyamo creator · Software Engineer
Meet me at piotrkulbacki.comSimple pricing. Full dashboard on Free.
Pay for more AI and longer photo archive — not for basic expense control.
Payment currency
FREE
0 PLN / month
- ✓Full dashboard, budget & category limits
- ✓5 AI receipt scans per month
- ✓10 AI chat messages per month
- ✓PLN, EUR, GBP & USD · no photo archive
PRO
FeaturedPLN 3450% off
PLN 17/ month
Use code PROMO50 at checkout for 50% off!
- ✓Everything in Free
- ✓50 receipt scans per month
- ✓50 AI chat messages per month
- ✓Receipt photos kept for 60 days
PREMIUM
PLN 4650% off
PLN 23/ month
Use code PROMO50 at checkout for 50% off!
- ✓Everything in Pro
- ✓120 receipt scans per month
- ✓250 AI chat messages per month
- ✓Receipt photos kept for 12 months
Questions before you sign up
Does Lyamo connect to my bank?+
No. You add expenses manually or scan receipts. There is no Open Banking connection.
Can I start for free?+
Yes. The Free plan includes the full dashboard, 5 receipt scans, and 10 AI chat messages per month.
How does the receipt scanner work?+
You upload a photo. AI prepares a draft (amount, date, categories). You review and confirm — nothing is saved automatically without your decision.
What is a receipt split?+
One receipt can be split across categories (e.g. groceries and household) so charts and limits stay accurate.
How is the Lyamo cycle different from a calendar month?+
You set a start day (e.g. payday). Budget, averages, and limits are calculated for that billing cycle.
Which currencies are supported?+
PLN, EUR, GBP, and USD — with conversion to your primary currency.
Does the AI assistant see my expenses?+
Yes, within what it needs to answer: totals, budget, fixed costs, limits, and recent transactions. It is not a generic chatbot.
Where are receipt photos stored?+
On Free, photos are not kept long-term. On Pro up to 60 days, on Premium up to 12 months — in the scanner archive.
Can I delete my account and data?+
Yes — in Settings (danger zone). Inactive accounts are also removed under our retention policy.
Is there a mobile app?+
Lyamo works in your phone browser (responsive). A full native expense app is not available yet.
How do I cancel a subscription?+
Through the Stripe Customer Portal in Settings. You keep access until the end of the paid period.
Who built Lyamo?+
Lyamo is built by Piotr Kulbacki — an independent software engineer in Berlin. More about me: piotrkulbacki.com. Company details are also in the Impressum.
Stop guessing. Start knowing.
Create a free account, set your payday, and see your first clear cycle.
Create your free accountNo card required · No bank login · Cancel paid plans anytime in Stripe