Lums

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Lums is an intuitive AI-powered money management and budgeting application designed to provide total financial clarity. It allows users to build a budget in minutes, manage multi-currency accounts, and automatically categorize transactions using intelligent automation. Key features include a 'Chat with your money' interface for instant insights, 14-day balance forecasting, and smart alerts that detect fraud, bill increases, and hidden subscription costs. The platform prioritizes security by using Plaid for read-only bank connections and processing data within a secure Google Cloud environment without sharing it with external AI services.
AI-powered budgeting app for transaction categorization, cash forecasting, and financial insights through chat.
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Lums website screenshot
What is Lums?

AI-powered budgeting app for transaction categorization, cash forecasting, and financial insights through chat.

Lums is an intuitive AI-powered money management and budgeting application designed to provide total financial clarity. It allows users to build a budget in minutes, manage multi-currency accounts, and automatically categorize transactions using intelligent automation. Key features include a 'Chat with your money' interface for instant insights, 14-day balance forecasting, and smart alerts that detect fraud, bill increases, and hidden subscription costs. The platform prioritizes security by using Plaid for read-only bank connections and processing data within a secure Google Cloud environment without sharing it with external AI services.

Core Features
AI-powered automatic transaction categorization and memory
14-day cash flow and balance prediction
Interactive AI chat for financial inquiries and insights
Smart alerts for subscriptions, fraud, and budget milestones
Secure bank integration via Plaid with read-only access
Multi-currency support and manual cash account tracking
Popular Use Cases
  • Identifying and managing hidden recurring subscription costs
  • Predicting future bank balances to plan for upcoming expenses
  • Building a comprehensive monthly budget in less than two minutes
  • Reviewing spending history via natural language queries
Feature Comparison
A functional comparison based on maker input.
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Comparison details are provided for informational purposes and should be verified with the official website.
How to use
  • To use Lums
  • download the app and connect your bank accounts securely via Plaid or add them manually. The AI will automatically categorize your transactions and generate a budget based on your goals. You can then use the dashboard to track cash flow
  • use the AI chat to ask questions about your spending history
  • and receive smart alerts about your financial health.
Pricing
Lums uses a freemium pricing model. Pricing and features may change over time.
Standard All In One
$8.00 per month
Billed yearly at $95.99. Includes all AI features and bank connections.
Limited Time Offer
$3.33 per month
50% off offer, billed yearly at $39.99. Includes all features and 14-day free trial.
Deal / Coupon
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