Features
Everything Lumo does today.
No promises. No future-tense roadmap items disguised as features. This is what ships in the current build.
Before you scroll
Manual entry. You type or paste — Lumo never touches your bank.
Android first. iOS comes later. Web app stays a marketing site for now.
Private beta. Invites roll out in waves of 2–3 weeks.
Free during beta. Pricing for paid tiers will be announced before launch.
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.
Module by module
The full feature set.
Each card maps to a live module in the Convex backend powering Lumo's mobile app.
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
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.