Get Started in 15 Minutes: Your First Tour of Luma

When you open Luma for the first time, there are just 15 minutes between having no overview at all and having a functioning budget. Not two hours. Not a weekend. Fifteen minutes.

If you've never used a budgeting app before, this might sound too good to be true. But Luma is designed so you can go from login to your first spending overview very quickly.

Here's how you do it, step by step.

Step 1: Log in and connect your first account (3 minutes)

When you open Luma for the first time, the app asks you to log in with BankID or electronic ID. After logging in, you go straight to the account selector.

1. Tap "Connect bank account"
2. Select your bank from the list (DNB, Nordea, SpareBank 1, Handelsbanken and more)
3. Authorize Luma in BankID or your ID solution
4. Approve access when your bank asks permission to share your transactions

Luma will then fetch your transactions from the last 90 days. It happens automatically. You don't need to export anything or do anything manually.

Step 2: Review and approve categories (5 minutes)

Once your account is connected, Luma automatically reviews your transactions from the last three months and suggests categories based on descriptions, amounts, and recurring patterns.

You'll see an overview that says something like "Luma has categorized 87 transactions. Approve or adjust."

Go through them. Most of the time Luma will be right:

• Grocery store → Groceries and food
• ElectroNor → Electricity and energy
• Netflix → Subscriptions
• Jysk → Furniture and home

If something is wrong, tap the transaction and change it. Luma learns from these adjustments, so next time you shop there, it will suggest the correct category.

Sometimes transactions are unclear (banks use old or generic names). That's fine. You can change them later.

Step 3: Set your first budget (5 minutes)

Once the categories are approved, Luma suggests budget limits based on what you actually spent over the last three months.

Example: If you spent an average of 4 500 kroner on groceries per month, Luma suggests a budget of 4 500 kroner for groceries next month.

You can accept this or adjust it. Many people choose to set limits a bit lower than what they've spent (to save), or higher (if they know next month will be more expensive).

Here's an example of a realistic first-time budget for someone earning 35 000 kroner per month (after tax):

Category	Budget
Groceries and food	4 500 kr
Transport	1 200 kr
Electricity and energy	800 kr
Housing (rent or shared costs)	9 000 kr
Subscriptions and memberships	400 kr
Clothing and personal care	1 200 kr
Entertainment and leisure	1 500 kr
Unexpected expenses	1 000 kr
Total fixed costs	19 600 kr
For saving and flexibility	15 400 kr

This gives you 15 400 kroner to work with each month. Some use it for extra saving, some for larger purchases, some for a small buffer for difficult months.

The important thing is that you don't have to make up numbers yourself. Luma suggests based on your actual spending. You just approve or adjust.

Step 4: Check that everything is ready (2 minutes)

Before you move on, quickly check:

1. Your account appears in the main overview
2. The categories look sensible
3. Budget limits are set

Now you can close the app. When you open Luma next time, you'll see how much you've spent so far this month, which categories are going well, and where you have room.

What do you do now?

You have a functioning budget. The next step is to use it. Open Luma once a week, check the overview, and see where your money goes. That's the whole secret.

If you have multiple accounts (savings account, another bank, or a card), you can add them in the same process anytime. You don't need to do everything on day one.

Start today, go slowly, and build the habit week by week.