Lumi is your AI that actually does stuff. Flags bills before they hit, moves money to savings, and always knows what's safe to spend. No spreadsheets. No guilt. Just clarity.
Available on iOS, Android & desktop
Yes! After rent clears Thursday, you'll still have $340 safe to spend this week.
$847
Your real spending power, right now. Bills, savings, and subscriptions are already subtracted — so the number you see is actually yours.
Watch where every dollar goes in one glance. Income in, buckets out — no spreadsheet gymnastics required.
Every upcoming charge, laid out on a timeline. No more "wait, when does that hit?"
A dead-simple view of where your money actually went this month.
Track your utilization and know exactly where you stand — before it becomes a problem.
Emergency Fund
$3,400 / $5,000 saved
$200/mo contributionSet a target, automate contributions, and watch the ring fill up. Satisfying and simple.
Categories that learn from how you actually spend, not rigid rules you set and forget.
Lumi watches your cash flow and gives you a nudge before you overspend, not a lecture after.
Every week, Lumi breaks down your wins, flags the close calls, and helps you plan the next one.
Your AI that doesn't just talk. It acts.
Sees your accounts, transactions, patterns, and goals. No manual entry required.
Sets budgets, flags bills, creates savings rules. Actually does things, not just talks about them.
Builds memory over time, learns your rhythms, and gets smarter the more you use it.
More private than talking to a person. No shame, no lectures. Always available.
Can I afford dinner out tonight?
Yes! After rent clears Thursday, you'll still have $340 safe to spend this week.
From uncertainty to clarity
Link your accounts through Plaid. Takes about a minute, and your credentials never touch our servers.
LumiFi maps your income, bills, and spending into a weekly view so you actually know what's going on.
Your safe-to-spend updates in real time. Lumi nudges you before problems happen, not after.
All your accounts, bills, and spending in one place. No more juggling five apps.
You'll know your balance is getting low before it actually does.
Lumi learns your patterns and gives tips based on your actual spending, not generic articles.
Connect your bank, and you've got a plan before your coffee gets cold.
End-to-end encryption via Plaid. We never see or store your bank login.
First paycheck? Side hustle? Student loans? Yeah, we get it.
Safe-to-spend literally stopped me from overdrafting before rent hits. I check it every morning now like the weather.
The bill timeline is the first thing that made me actually pay my credit card on time. Seeing everything laid out week-by-week just clicked.
I asked Lumi if I could afford a weekend trip and it broke down exactly what I had left after bills. No other app does that.
lumi told me i couldn't afford chipotle and it was right. 10/10 no notes.
Safe-to-spend literally stopped me from overdrafting before rent hits. I check it every morning now like the weather.
The bill timeline is the first thing that made me actually pay my credit card on time. Seeing everything laid out week-by-week just clicked.
I asked Lumi if I could afford a weekend trip and it broke down exactly what I had left after bills. No other app does that.
lumi told me i couldn't afford chipotle and it was right. 10/10 no notes.
I set a goal to save $1,000 for an emergency fund and LumiFi kept nudging me in the right direction. Hit it in three months.
My income is different every week from gig work. Safe-to-spend is the only number that actually makes sense for my life.
the spending chart showed me i spent more on boba than groceries last month. i'm not even mad, i needed to know.
opened my bank app and felt nothing. opened lumifi and felt like i had my life together. night and day honestly.
I set a goal to save $1,000 for an emergency fund and LumiFi kept nudging me in the right direction. Hit it in three months.
My income is different every week from gig work. Safe-to-spend is the only number that actually makes sense for my life.
the spending chart showed me i spent more on boba than groceries last month. i'm not even mad, i needed to know.
opened my bank app and felt nothing. opened lumifi and felt like i had my life together. night and day honestly.
We're building LumiFi with our earliest users. Get free access on iOS, Android, and desktop — help shape the product, and never worry about money surprises again.
Or visit our full waitlist page
We're building the money app we wish existed for our generation. Free during alpha — on iOS, Android, and desktop.
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