What “unlimited transactions” means on Free and Plus

“Unlimited” is a nice word, but it is often used loosely in apps and subscriptions. When you see it on a budgeting app’s pricing page, it is worth asking: unlimited what, exactly?

This post explains what “unlimited transactions” means in Luma, and why we think the distinction matters enough to write about.

Transactions are lines in your budget

A transaction in Luma is one line in your expenses or income. It might be coffee for 55 kroner, rent at 12,000, or salary arriving on the 15th of each month.

On Luma Free you can add, edit, and delete as many of those lines as you like. There is no cap of 100 per month, no 500 per year, and no hidden counter that stops you as you approach a ceiling. Whether you track 40 transactions a month or 400, they live in your budget the same way.

The same applies on Luma Plus. The difference between tiers is not how many transactions you can have.

The only real limit is bank file import

What is actually limited on Free is how often you can run a file import from your bank. A file import is when you upload a CSV exported from online banking, Luma reads it, and adds many transactions in one go.

On Free you can complete up to eight such import sessions per calendar month. That is enough for a weekly import plus a couple of extra runs during the month.

On Plus there is no monthly cap on the number of import sessions (within normal, reasonable use).

The point is that Plus changes how often you can pull in a whole bank file automatically—not how many lines live in your budget.

Why this distinction matters

Many apps just write “unlimited” and let users fill in their own definition. That can cause three kinds of misunderstanding:

• Free users think they might “lose” older transactions after a while
• Some people delay logging expenses because they think they are nearing a limit
• People pay for an upgrade they do not actually need

We want you to know exactly what you pay for, and exactly what you get without paying. So we always separate two words: transaction (one line in the app) and import session (one completed upload of a bank file).

A quick checklist for what you need

It is easy to see what fits by answering two questions:

• Do you mostly enter spending manually, or take one bank file once a week? Free is plenty.
• Do you upload CSVs several times a week, maybe from more than one account? Plus may be worth it.

It is not more complicated than that. No ceiling on the budget itself, no counting how many coffees you have logged.

In short

In Luma, the number of transactions is always unlimited, on both Free and Plus. The only thing that separates the two tiers is how many bank file import sessions you can run each month.

A concrete next step: count how many times you actually uploaded a bank file last month. If it is under eight, Free is fine. If it is more often, Plus may be worth trying.