Join the waitlist
Be first to the calmest money system we've ever built.
We onboard small groups so every signal feels sharp and useful. Waitlist members get priority support and influence what we ship next.
Join 2,000+ others waiting for access.
Your preview
Waitlist includes
Private beta onboarding
We admit small cohorts to keep feedback tight and the experience polished.
Priority feature input
Your requests influence the roadmap before the public launch.
Guided setup
Connect accounts quickly with support from the Lumo team.
Based on current demand and product capacity.
How it works
Your path to Lumo.
Step 01
Join the waitlist
Tell us a bit about your workflow so we can match you well.
Step 02
Get your invite
We send invites every week as capacity opens up.
Step 03
Set up in minutes
Link accounts, set goals, and get your first daily signal.
Live beta features
These modules are already powering Lumo.
Every waitlist account gets the same production features that back the full 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
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.
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.