Financial claritythat feels effortless.
Lumo unifies every account, bill, and goal into a single living signal. See what's safe to spend today and what tomorrow can look like, without spreadsheets.
Join 2,000+ others waiting for access.
Available Cash
$4,250.00
Recent Transactions
Salary Deposit
Today, 9:00 AM
Netflix
Yesterday
Apple Store
Mon, 12th
Replacing spreadsheets at teams like
Built as a signal engine
A bento-grid of clarity.
Every panel is a decision aid. Lumo surfaces what matters right now, then quietly fades the noise.
Know what's safe to spend today.
Lumo blends cash flow, bills, and goals into a single confidence number that updates as you spend.
Auto-categorization
Merchant intent + context
Goal guardrails
Set limits for each goal and get nudges before you drift.
Forecasts you can trust
Real cash runway, bill timing, and savings pace in one glance.
Privacy first
End-to-end encryption, read-only connections, and zero data selling. Ever.
Smart alerts
Get notified about unusual spending, upcoming bills, and low balance before they become problems.
The Lumo flow
From raw data to daily decisions.
Every step is purpose-built to keep you in control without making you do the work.
Connect
Securely link accounts and bills in under two minutes. Lumo reads your flows, never writes.
Normalize
We translate transactions into human meaning with merchant intelligence and category tuning.
Act
Get a daily signal, upcoming risk alerts, and simple next steps for your goals.
Lumo cockpit
The dashboard that tells you what to do next.
Instead of static charts, Lumo gives you a prioritized feed of decisions. See where to pause, where to spend, and where to push.
Daily safe-to-spend with bill timing baked in.
Savings pace mapped against goals and timelines.
Subscription drift alerts before renewal hits.
Today's signal
You're ahead this week
Safe-to-spend
$1,840
+18%
Bills due
$620
Next 7 days
Subscriptions
$84
3 renewals
Savings pace
1.4x
Goal: 1.2x
Assumes current income and planned expenses.
Read-only connections
We can't move your money. Ever.
Encryption everywhere
AES-256 at rest, TLS in transit.
Biometric access
Face ID / Touch ID support built-in.
Loved by modern teams
Calm money decisions, together.
Early teams use Lumo to keep budgets visible without micromanaging every line item.
“Lumo is the first finance app that tells me what to do, not just what happened.”
Maya Lee
Founder, Harbor Studio
“The safe-to-spend number changed how our team talks about budgets. It feels obvious now.”
Owen Patel
COO, Brightline
“We replaced three spreadsheets and a dashboard with one calm screen.”
Celeste R.
Finance Lead, Northwind
Questions, answered
Everything you need to know.
Still curious? We're happy to walk you through the details.
We are onboarding private beta groups in waves throughout 2026. Join the waitlist to get a spot.
None yet. Lumo is manual-first because bank linking isn't available in many regions. Bank connections are on the roadmap.
No. Lumo does not sell or share your financial data with ad networks or data brokers.
Not yet. Shared access is planned, and we'll announce it to waitlist members.
Add income and expenses manually, and Lumo keeps your totals and timelines up to date.
During beta, Lumo is free for waitlist members. Pricing will be announced before launch.
Yes. Manual tracking works anywhere. We'll add bank connections where they're supported.
Join the private beta
Get the calmest money dashboard you've ever used.
We're onboarding small groups to keep the signal sharp. Grab a spot and we'll send your invite as soon as it opens.
Join 2,000+ others waiting for access.