A few easy questions.
Guided setup helps you get the first costs down. No bank details to find.
Made for Luxembourg’s cross-border life
Your next month.
A little lighter.
Know what to spend, set aside and repay. Before the month begins.
Start with your salary and a few everyday costs. Discover the rest when you need it.
No sign-up. No bank connection. Just your plan.
Home in France, Belgium or GermanyWork in Luxembourg
End-of-month salaryNext month, taken care of.You make the plan. LëtzPay keeps it clear.
A small start is enough
You don’t need to organise
your whole life on day one.
Your income, the essentials, a little breathing room. That’s a useful first budget. Add more detail whenever it helps.
A plan you can change.
Adjust the suggestions to your life. Nothing is final until you say so.
A head start next month.
Your monthly plan remembers what repeats. You only need to adjust what changes.
A familiar payday. A calmer routine.
September salary.
October sorted.
Léa lives in France and works in Luxembourg. Her salary arrives at the end of September. She plans October with it.
Make a first draft.
Enter the salary you expect and the costs you know: rent, groceries, the commute. Keep room for something you enjoy.
Check it. Finalise it. Know where it goes.
Update the income if needed. Your report shows what stays in each account and what goes into its pockets. Make the transfers in your banking app.
LëtzPay records your plan. It never moves your money.
Keep the rhythm. Skip the retyping.
Use your monthly plan again, or copy an existing month. Adjust what changed and you’re on your way.
The lovely part? There’s more when you’re ready.
Start simple.
Find your next little win.
You don’t have to use every feature. Open a possibility below and see what could make your next month easier.
01“I’d like a little money set aside.”Give it a pocket.
A holiday, an emergency buffer, or everyday spending. Give the money a purpose and a balance. A goal is optional.
A place for money you don’t want to lose track of.
02“That yearly bill always sneaks up on me.”Make it a smaller monthly step.
Give a pocket a target and a date. Link its contribution to your monthly plan and watch the progress when you finalise each budget.
A future bill starts to feel manageable.
You still pay the bill yourself and record it in LëtzPay.
03“I want to see my debt getting smaller.”Bring repayments into the plan.
Link a budget allocation to a loan. Finalising records the repayment. For credit cards, keep new spending separate from closed periods and choose the budget that repays them.
See what is planned and what is already repaid.
04“Could next month catch me off guard?”Get a gentle heads-up.
Planned costs can reveal a tighter month ahead. LëtzPay groups similar warnings so you can take a look, or dismiss them. Optional reminders help with budgets and upcoming bills.
Useful nudges. You choose what stays visible.
One salary. Life on both sides of the border.
A little Luxembourg.
A lot of your everyday life.
The commute. Accounts in different countries. Insurance that comes around once a year. LëtzPay is built with that routine in mind.
Explore the Luxembourg gross-to-net salary simulator when you need an estimate. Use the app in English, French or German.
The simulator covers supported situations. It is an estimate, not a payslip or personalised tax advice.
Take a look inside
Real screens.
A simple place to begin.
A short tour of the current app, with fictional data. Play it when you like; captions are available in English, French and German.
One useful thing at a time.
Start with next month. Discover a home for your savings. Keep your accounts clear. Find the other tools when you need them.
Read the tour
- Home puts the next budget first, funded by the salary received at the end of the previous month.
- Guided setup starts with the budget month and expected salary. A few essential costs come next.
- Pockets organise money within accounts, with goals when you want a target.
- Accounts describe where your money belongs. They are not connected to your bank.
- Helpful tools include a Luxembourg salary estimate.
- Your data stays in the app unless you export it or your device backs it up.
- Start small. Explore the other features whenever they become useful.
Personal finance should feel personal
Your money story
stays yours.
No LëtzPay account to create. No bank login to share. No advertising or analytics service in the app.
Your financial records are stored on your device. You can enable an app lock and create backups or local restore points.
Manual exports and system backups can store copies elsewhere. Exported JSON files are unencrypted: keep them somewhere you trust.
Read about your privacyDo I have to enter everything at once?
No. Start with the guided setup and a few costs. Add accounts, pockets and more detailed allocations later.
Does finalising actually pay my bills?
No. It updates the records in LëtzPay, including linked pocket and repayment entries. You make the actual payments and transfers yourself.
Can I keep a safe copy?
Yes. Export a backup from Settings. Local restore points help you return to an earlier state, but a separate export protects against losing the phone. Restoring replaces existing app data.
Read the backup guideCan an AI assistant help me start?
If you choose. Our external AI guide explains how an assistant can prepare a file for you to review and import. What you share with that assistant goes to its provider. There is no AI inside LëtzPay.
Explore optional AI setupMake a little room for next month
A first plan.
Then your own way.
LëtzPay is in Android closed testing. Ask for an invitation and help shape a simpler way to budget.
Ask to join the Android testAndroid test access requires an invitation. iOS is not yet on the App Store.