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Questions

• What's the difference between Free, Pro and Max?

  Every plan includes the core tools and sync across devices. The differences are limits, advanced features and your monthly tokens:

  • Free: 300,000 tokens a month on standard models; limits on habits, ledgers, goals and more
  • Pro: no limits and every advanced feature; 10 million tokens a month (5 million on CNY plans), with standard and advanced models
  • Max: 40 million tokens a month (20 million on CNY plans), every model including flagship, and priority at peak times

  See the full comparison on pricing.

• Do purchased tokens expire?

  No. Token packs you buy never expire, on every platform, and anyone can buy them, member or not.

  Monthly tokens from your plan are valid for the current billing period only and reset at the next one; they don’t roll over. Lumi uses your monthly tokens first, then the ones you bought. Check your balance and usage by feature in Settings → Membership & Tokens → Token Wallet.

• What is a token, and why do models use different amounts?

  Tokens are how Lumi measures AI usage. One standard token equals one token on our standard model, DeepSeek V4.1 Flash. Other models count with a multiplier based on cost, for example standard ×1, advanced ×4, premium ×8 and flagship ×20–40.

  You can expand any answer to see what it used, and big tasks show an estimate first so you can decide whether to go ahead. Multipliers are published, recalibrated when providers change their prices, and announced before they take effect.

• What happens when I run out of tokens?

  Your life records aren’t affected. Tasks, calendar, journal, money, habits and every other non-AI feature keep working as usual.

  AI steps down gently: quick capture switches to local parsing, briefings become a plain summary of your data, and chat and analysis suggest a token pack or a membership upgrade. When your balance drops below 10%, Lumi reminds you once. Monthly tokens reset each billing period, and tokens you buy never expire.

• Is buying on the web different from buying in the App Store?

  You get exactly the same benefits. Wherever you buy, your membership and tokens work on all your devices.

  • Apple devices: In-App Purchase, with auto-renewing subscriptions
  • Web (global): Stripe, with cards, Apple Pay and Google Pay
  • Web (mainland China): WeChat Pay and Alipay aren’t available yet; once they are, they’ll start with quarterly and yearly plans that don’t renew automatically

  We never store your card number.

• Is there a free trial?

  Where trials are offered, yearly plans include a 7-day free trial. Lumi reminds you 2 days before the trial ends. If you don’t want to continue, cancel before it ends and you won’t be charged.

  Before you subscribe, we show the renewal terms clearly. Before every renewal charge after that, we tell you when you’ll be charged, how much, and how to cancel. See the Subscription Terms.

• How do I cancel my subscription?

  It depends on where you bought it:

  • iPhone or iPad: Settings → [your name] → Subscriptions → Lumi → Cancel Subscription. Do this at least 24 hours before the current period ends.
  • Mac: open the App Store → click your name → Account Settings → Subscriptions → Manage.
  • Web: in Lumi for the web, go to Settings → Membership & Tokens → Manage subscription. Your membership stays active until the end of the period you paid for.

  Note that deleting your Lumi account does not cancel an App Store subscription.

• Can I get a refund?

  For purchases made through the App Store, Apple handles refunds. Visit reportaproblem.apple.com or contact Apple Support.

  For purchases made on the web, email support@xicoai.com. We handle each request under applicable law and the payment provider’s rules.

  If a token pack is refunded, your purchased balance is reduced to match and may go below zero for a while. Until you top up, every non-AI feature keeps working.

More answers in the Help Center