01
Freelance developers & designers
Paid through Upwork, Toptal, or direct wires. Every platform reports your income differently. Lumeo makes them agree.
Compliance infrastructure for cross-border earners
Getting paid was solved. What happens next wasn't.
Money lands on PayPal, Wise, Payoneer, or a bank wire, and nothing matches your invoice. Lumeo reconciles every payment, generates the FIRA, computes your tax, and prefills your ITR. Automatically.
Live ledgerAuto-reconcile
+$5,000.00
$5,000.00
RECONCILED · FIRA GENERATED
GST · export of servicesITR form, auto-routed
40,000+ freelancers on the waitlist · zero ad spend
Incubated inLvlUp Labs
Rails we reconcile
The gap
Payment apps stop at the FIRA. Tax tools start at filing season. You live in between.
Every rail fees and reports differently. PayPal, Wise, Payoneer, and a bank wire produce four different records of the same invoice, and none of them reconcile to each other. So the work falls to you: spreadsheets, bank portals, and a chartered accountant charging ₹5,000 to ₹15,000 a year to stitch it together by hand.
“I received a tax notice in July from an 8-month-old reconciliation error I didn't even know existed.”
₹5,000–15,000/yr
What a CA charges to handle foreign income, GST, and ITR. Every year. Never automated.
4 tools · 14 days · 1 CA
The old way: payment app, bank portal, spreadsheet, tax tool, and two weeks of chasing.
1 connected loop
The Lumeo way: connect your bank once. Roughly four minutes of your attention.
One connected loop
Money hits. Everything after is automatic.
Connect the bank once. Every foreign inflow after that arrives reconciled, documented, taxed, and routed.
01
Connect your bank once.
Lumeo watches for foreign inflows across every rail you're paid on.
02
Payment arrives, already reconciled.
Each deposit is matched to its invoice, with the rail's fees accounted for.
03
FIRA and tax, handled.
Documentation generated on receipt. GST treatment applied. Advance tax reserved.
04
ITR, prefilled and routed.
The correct return form, selected automatically from your foreign-income profile. Review, then it's ready.
Money hitsFIRAGST zeroedTax reservedITR ready (auto-routed)
See the full loop Built for
If you earn from abroad, this is for you.
One engine, whatever shape your foreign income takes.
02
Consultants & agencies
Export of services, LUT, GST classification questions. The paperwork scales with every new client. Lumeo doesn't.
03
Content creators
Platform payouts and sponsorships arrive irregularly, and what you owe stays a mystery until March. Lumeo keeps the answer current.
04
Remote employees of foreign companies
Paid via Deel, Remote, or direct payroll, with foreign-income rules deciding which ITR you need. Lumeo routes it for you.
05
Service exporters
Recurring foreign invoices mean recurring FIRAs and reconciliation at volume. Lumeo runs it as a system, not a scramble.
How it's built
Compliance software has to be more careful than you are.
01
Immutable audit trail
Every payment, match, and computation is recorded in an append-only double-entry ledger. Nothing is edited in place. Ever.
// append-only · double-entry
02
Licensed settlement path
Settlement routes through a licensed PA-CB partner under the RBI's cross-border framework. Lumeo builds the compliance layer on top.
// PA-CB partner
03
Eligibility-aware filing
The system selects the correct return form from your foreign-income profile, a distinction most tools ignore and the tax department doesn't.
// correct form, auto-routed
Pricing
One plan. ₹499/month.
The full loop: reconciliation, FIRA, advance tax, ITR prefill, and a compliance dashboard that's always current.
See pricing₹499/ month · $6/mo
Reconciliation across all rails
FIRA on every inflow
GST for export of services
Advance-tax reservation
ITR prefill (correct form auto-routed)
FAQ
Common questions.
Something we haven't answered? Email us at [email protected].
Not yet. We're pre-launch, integrating with our settlement and filing partners. The waitlist gets first access, in order.
No. Payments are the entry point; compliance is the product. Lumeo works with the rails you already use.
₹499/month for individuals. CA firms: see the firms page.
Waitlist
Be first in line.
Lumeo is launching in India first. 40,000+ freelancers are already on the list.