You need a budget
but you deserve Lums
14 days trial · No credit card required
Secured By Plaid
You need a budget
but you deserve Lums
14 days trial · No credit card required
Chat with your money
Chat with our AI to explore your money, get instant answers, and uncover insights in plain language.
Easily connect all your accounts
You can connect all your accounts automatically or add them manually. Even your cash deserves a place on the dashboard.
Cash Account
Manual
RBC Credit Card
XXXX-XXXX-1234
Tangerine Deposit Account
XXXX-XXXX-1234
See what's coming
Lums gives you clarity on what's ahead and highlights what matters so you can act with confidence.
Predict your cash
Smart alerts
Grocery Budget
Great job! You're $107.55 under budget for groceries this month.
Paycheck Expected
Your regular paycheck of $3,600 is expected to arrive in 3 days based on your income pattern.
Build your budget in minutes
Our AI helps you set up a budget that fits your goals. It guides through the years for you to keep the control.
Budget Groups
Peace of mind.
The freedom to focus
on what matters.
When you see what's next, you can move confidently toward your goals.
AI that catches what you miss
Fraud & anomaly detection
Find your subscriptions
Smart alerts
Lums remembers how to categorize your transactions
Cut out the manual work and save hours every week with intelligent automation and memory.
Transaction organization
Automatic categorization
Memory management
One Dashboard: quick check, big picture
View your key balances, track your cash flow, and monitor your top spending categories in one place.
Your data always secured
Connected via Plaid
You authenticate directly with your bank, we never see your credentials.
Encrypted & Isolated
Tokens secured with AES-256; data stored separately per user.
Secured AI Processing
Your financial data is processed in our own secure Google Cloud environment never sent to external AI services like OpenAI or Anthropic.
Total Control
Read-only access to your accounts, nothing can ever be moved or modified. You can disconnect or delete your data instantly, anytime.
One simple plan.
Everything included.
$79.99$39.99 billed yearly.
14 days Free Trial - no credit card required
$79.99$39.99 billed yearly.
14 days Free Trial - no credit card required
A sustainable company with transparent pricing
Because we'll never sell your data, run ads, or monetize your privacy, subscriptions are how we support development and keep Lums independent.
Frequently Asked Questions
Everything you need to know about Lums