Track every dollar by hand.Let Lumo do the math.
Manual-first money tracking for people who want full control. Lumo turns the expenses you log into daily safe-to-spend signals, savings goals, and forecasts. No bank linking. No data selling. No spreadsheets.
Join 2,000+ others. Typical invite wait: 2–3 weeks.
Available Cash
$4,250.00
Recent Transactions
Salary Deposit
Today, 9:00 AM
Netflix
Yesterday
Apple Store
Mon, 12th
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
No bank logins. No third-party trackers. No data selling. Ever.
Smart alerts
Get notified about unusual spending, upcoming bills, and low balance before they become problems.
Core modules
Built as a financial operating system.
Every feature maps to live backend modules so insights stay consistent across the entire product.
Unified transactions
Track every expense with categories, notes, and clean summaries.
Transactions
Adaptive budgeting
Cycle-aware budgets that roll forward and keep you in control.
Budget cycles
Income streams
Model salary, freelance, and recurring income patterns.
Income streams
Forecasting & insights
Prediction models that surface trends before they hit.
Predictions
Savings cycles
See potential savings per cycle and track carryover.
Savings
Loan tracking
Track money lent, repaid, and outstanding balances.
Loans
Receipt capture
Scan receipts and attach clean records to expenses.
Receipts
Smart notifications
Reminders for spending, cycles, and critical updates.
Notifications
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.
Why Lumo
Built for people who actually want to know their money.
Lumo isn't another bank-linking dashboard. It's manual-first, private by default, and built openly with a small group of waitlist members. If you've ever wished a finance app would stay out of your way and let you do the thinking, this one is for you.
Manual on purpose
You log what matters. Lumo doesn't guess at categories or pretend to know your context — you do.
Built openly
Releases ship every 1–2 weeks. Every change is documented in the changelog. No silent data grabs.
Yours, not ours
No bank logins. No ads. No trackers. No data resold. The only person looking at your money is you.
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. Typical invite wait: 2–3 weeks.