Light your path.
Live your life.
Know exactly what you can spend today. Never get caught off-guard by a bill. Go out and enjoy your life — LumiFi has the math covered.
[ Dashboard screenshot — shows safe-to-spend card, spending trend chart, weekly plan, and upcoming bills ]
How It Works
From sign-up to insights in under 3 minutes
Connect Your Bank
Securely link your checking or savings account through Plaid. We only get read-only access — we can never move your money.
[ Plaid connection modal — bank search and account selection ]
See Your Snapshot
Instantly see your safe-to-spend, upcoming bills, collision risks, and spending breakdown — all computed in real-time.
[ Dashboard snapshot — safe-to-spend number, spending donut chart, bills list ]
Get Your Weekly Plan
Lumi, your AI coach, explains your finances in plain English and suggests a concrete weekly action plan you can apply with one click.
[ Lumi chat — AI suggesting a weekly plan with action buttons ]
Meet Lumi — your financial friend.
Not a chatbot. Not a calculator. A genuinely helpful coach who knows your finances and speaks plain English.
Observe
Lumi quietly watches your transactions and learns your patterns — income, bills, subscriptions, habits.
Suggest
You get specific, actionable suggestions based on your actual money — explained like a friend would, not a textbook.
Apply
See a suggestion you like? One tap and it's done. No forms, no friction.
Adapt
As your finances change, Lumi adjusts. The more you use it, the more useful it gets.
Light your path. Live your life.
Try Lumi FreeYour money, finally making sense.
Built for people who just want to live their life without money stress.
Safe-to-Spend
The number you actually need: how much you can spend right now, guilt-free, before your next bill hits.
[ Large safe-to-spend number with runway indicator ]
Meet Lumi
AI-poweredYour financially savvy friend, available 24/7. Ask Lumi anything about your money — she gives you real answers based on your actual transactions, not generic advice.
[ Lumi conversation — user asks "How can I save more?", Lumi responds with specific advice and a one-tap "Create Budget Rule" action button ]
Bill Collision Alerts
Netflix, Spotify, and rent all due the same week? Lumi spots it before it hits and tells you what to do.
[ Calendar view with overlapping bill markers highlighted in red ]
Spending Breakdown
Finally see where it all went — broken down by category, merchant, and time, so nothing surprises you.
[ Donut chart with category legend ]
Cash Flow Forecast
See the next 30 days of your money, projected forward. Know about low points before they happen.
[ Area chart showing projected balance over 30 days ]
Budget Rules & Goals
Set a budget, track a goal, watch your progress. Lumi gives you a nudge (never a lecture) when you're close to the edge.
[ Budget progress bars by category with goal tracking ]
We built LumiFi because too many smart people go out less, stress more, and still end up surprised by their bank balance. That ends here.
— The LumiFi Team