Payday comes,
money's gone and you can't say where
You're not lazy and you don't overspend wildly. You've just never seen all your numbers on one page. Lumenfi is a guide you can follow in 10 minutes a day, plus a free app that carries the results forward — no signup needed to start.
Guides ฿190–390, one-time · App is free, no card · Your data stays yours
Your whole financial life — in one place
What people run into — and fear
Most Thai households hit at least one of these. You're not alone, and it's not your fault.
Several debts, minimum payments for years, balance never drops
Every statement looks the same; interest keeps eating until you stop looking.
Fear it will never end — and that family will find out
Tax withheld every month, deductions bought on a salesperson's word
A tiny refund each year, then year-end purchases because "it's worth it" — never doing the math yourself.
Fear of buying wrong or too much, locking money for years to save a few thousand
No debt, yet a few hundred baht left at month end
Tracked every expense, quit in two weeks; every budget gets blown; the emergency fund is still an intention.
Fear of how many days you'd last if income stopped tomorrow
Several policies, no idea if coverage is complete or duplicated
Bought from an agent, bought from a relative, premiums paid yearly — but what would you actually get?
Fear of a failed claim when it matters — or years of overpaying
Not sure what your tax is? Try the free Thai tax calculator →
All four share one thing: nobody ever laid all your numbers on one page and told you what the first step is.
What this site does for you
Two parts that work together: a guide + sheet you can follow right now without signing up, and a free app that carries the results forward.
Part 1 · Guide + sheet, one-time payment
ปลดหนี้ 30 วัน
฿390Sample case: 4 debts, ฿513,000 — minimum payments alone never clear the cash card in 10 years; ฿3,000 extra a month clears everything in 31 months
Details & buy
ลดหย่อนภาษี 2569 ทีละขั้น
฿290Sample case: ฿45,000 salary, ฿20,030 yearly tax — moving ฿75,000 of existing savings into the right slot refunds about ฿7,500, and the benefit drops past ฿125,300
Details & buy
งบเดือนแรกใน 7 วัน
฿190Sample case: ฿25,000 salary, ฿304 left each month — ฿3,614 of leaks you can't account for; a new budget saves ฿2,500 first without moving house
Details & buy
เช็กประกันที่มีใน 1 ชั่วโมง
฿190Sample case: 5 policies, ฿64,400 premiums = 14.1% of income, two duplicate accident policies, yet ฿200,000 life cover against a ฿1.8M mortgage
Details & buyPart 2 · Lumenfi app, free
Finished the guide? Let the app continue
- Reads your statements and slips — no daily logging
- Import the guide's sheet in one click, no retyping
- Debt plan · pay-cycle budgets · tax caps · insurance gaps · due-date and renewal reminders
How we help
One path, four steps — no finance background needed
Pick one problem
Buy the one guide that matches what bothers you most; files arrive instantly by email
Follow it 10 minutes a day
Every day ends with a "just do this today" box; fill the sheet and see your own numbers in 7–30 days
Lift the sheet into the app in one click
Download the Export tab as CSV and import; the app creates debts, budgets, policies or prefills the tax calculator — no retyping
Let the app keep tracking
Balances stay current, due dates and renewals get reminders, and when you're ready Pro adds the 8-dimension AI advisor
What we hold to
- Every figure cites an official source (BoT, Revenue Dept, OIC) with a verification date in every guide
- We don't sell insurance or funds and never name companies; every example is a fictional case
- Your app data is yours, locked with Row-Level Security, deletable any time
Who we are
I watched people close to me — and myself — trapped in endless debt. Not from earning too little. From not seeing where money went, not understanding why it kept slipping, and having no plan to break free.
And debt was only one corner of the chaos. Should I be investing? How do I actually save? Do I need insurance, and how much? Tax — am I missing deductions? Every question pulled me in a different direction. So many directions, no compass.
That's where the name comes from. "Lumen" means light. Lumenfi is meant to be a single light in the dark — one that shows the path through the current of your money, instead of leaving you to guess.
— Founder, Lumenfi
The Lumenfi team includes a licensed life-insurance agent. We say so here and in every guide. The "request a quote" button in the app is optional, does not shape the guides, and you should always compare elsewhere.
Frequently asked
How do I get the files after buying?+
One-time payment via Stripe (card or PromptPay). Download links appear on the next page and in your email, work on any device, and can be re-issued any time.
Do I need the app first?+
No. The guide and sheet work on their own. The app is the next step if you want the system to keep tracking — free, no card.
How reliable are the numbers?+
Every rule cites an official source with a check date. Where nothing is announced yet we write "check the latest at…" rather than assert. All examples are fictional; none of it is personal advice.
Is my app data safe?+
Stored on Supabase (Postgres); every row is locked with Row-Level Security so only you can read it. You can delete your account any time.
The team has an insurance agent — is the content neutral?+
We disclose it in every guide. The guides name no companies or products and never say "buy this one". The quote button in the app is an option you choose.
Start with what bothers you most
One guide, 10 minutes a day — then let the app carry on