Chat with your money and let Lums build your budget.
Save time and money with intuitive AI money management. Build your budget in 2 minutes, manage multi-currency accounts, and let Lums auto-categorize every transaction for total financial clarity. What recurring charges do I have?” to find hidden costs.
Lums provides real-time balance forecasting and alerts users about their future balance. Users can ask in plain English 'will I run out before payday?' and receive instant predictions based on live account data, enabling proactive financial decisions.
Lums AI guides users through budget creation in minutes, auto-categorizing transactions into 120+ standardized categories and allowing custom tags. Users retain control while the system handles categorization, and rules can auto-tag future transactions by merchant.
Lums connects 200+ financial institutions via Plaid and displays all accounts (checking, savings, credit, investment, cash) in one unified dashboard. Users see real-time spending by category, cash flow, and net worth—all verified using double-entry bookkeeping to ensure accuracy.
Lums provides a conversational AI interface where users ask questions in plain English (e.g., 'How much did I spend on groceries last month?') and receive instant charts, trends, and breakdowns. All answers reflect live, verified account data without requiring data exports.
Lums processes financial data in its own secure Google Cloud environment, never sends data to external AI services, uses AES-256 encryption, and explicitly does not train on user financial data. Users authenticate directly with their bank via Plaid, and Lums never sees banking credentials.