Product overview
Everything your money needs to stay calm.
Lumo turns raw transactions into a living signal, so every decision feels confident, not chaotic.
Average sync time
2.6 min
Signals per day
18+ nudges
Categories learned
120+
Available Cash
$4,250.00
Recent Transactions
Salary Deposit
Today, 9:00 AM
Netflix
Yesterday
Apple Store
Mon, 12th
Replacing spreadsheets at teams like
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
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.
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.