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woman checking the Lumi Money app on mobile device to see what is safe to spend today

Know What to Spend, Even On-the-Go

Lumi Money helps you plan better, spend more confidently & stop second-guessing your money decisions.

  • Check spending decisions before you make them

  • See what’s coming in the week ahead

  • Use Lumi Money without linking your bank

Join the Wait List
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Lumi Money Is

Built For Real Life

Know what is safe to spend with Lumi Money

Know What to Spend Daily

Get help with spending decisions with Lumi Money

Get Help With a Purchase

See what is ahead each week with Lumi Money

See What’s Ahead Each Week

Upload bank data easily with Lumi Money

Easily Upload Bank Data

Turn transactions into insights with Lumi Money

Get Real-World Insights

Meet Lumi Money your go-to for everyday money moments

MEET LUMI MONEY

Your Go-To for Everyday Money Moments

It’s not always the big bills. Sometimes it’s one unexpected night out or a small splurge that throws things off.

  • Make clearer money choices
  • Avoid last-minute surprises
  • Feel confident between paychecks
Lumi Money can help when deciding what to spend 04

Lumi Money Can Help

When Deciding What to Spend

When money feels tight, even small choices add pressure. Lumi Money provides clarity to help you avoid setbacks.

  • Reduce financial surprises
  • See how choices impact bills
  • Feel ready for what’s ahead
Lumi Money is built for real life for a family of three

Why Lumi Money?

75% live paycheck to paycheck, either all the time or some of the time.

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Survey Respondents
Budgeting, Saving, and Financial Tools Survey

Lumi Money is built for real life for a woman and her dog

Why Lumi Money?

More than 33% don’t use a money app and say they’re overwhelming or unhelpful.

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Survey Respondents
Budgeting, Saving, and Financial Tools Survey

Lumi Money is built for real life for a family of four

Why Lumi Money?

46% say unexpected expenses are one of their biggest financial challenges.

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Survey Respondents
Budgeting, Saving, and Financial Tools Survey

Lumi Money is built for real life for a man working

Why Lumi Money?

Nearly 50% recently faced overdrafts, missed bills or surprise expenses.

Lumi Money L-Mark Logo

Survey Respondents
Budgeting, Saving, and Financial Tools Survey

Lumi Money Is

There For You In Anytime, Any Day.

Get clarity quickly before a purchase on your phone.

Plan ahead with more tools when you’re on desktop.

Get guidance quickly about a purchase decision with Lumi Money
Plan your finances weeks ahead when at home with Lumi Money

Lumi Money Features

Built to help you spend wisely, plan ahead, and feel in control.

Daily Spend
Comfort Zone

See what you can spend today. No guesswork, no stress.

SpendSmart
Calculator

See how a purchase affects your finances before spending.

Weekly & Monthly
Forecasts

See income and expenses ahead, updated in real time.

Alerts &
Notifications

Helpful nudges guide better decisions when it matters most.

Bank Data
Upload Workflow

Upload your bank data securely. No linking necessary.

Smart Review For
Transactions

Categorize transactions quickly with smart suggestions.

Coming Soon

Be First to Use Lumi Money

Join the early-access list and be the first to know when Lumi Money goes live.

We’re getting ready to launch a smarter way to manage your money, one that helps you see what’s ahead and avoid overspending between paychecks.

Still Deciding?

Here's What You Should Know

Do I have to link my bank account?

Yes. Lumi Money connects securely to your bank account so we can update your spending, bills, and Safe-to-Spend balance in real time.
Your data is encrypted, never sold, and you stay in full control at all times.

What happens after the 30-day trial?

Your Lumi Money membership automatically continues at $15 per month (or $150 per year) so you never lose access to your insights and foresight.

You’ll receive reminders before your trial ends, and you can cancel anytime from your settings.

I’ve tried other budgeting apps. How is this different?

Lumi Money isn’t a budget tracker. It’s an AI-powered accountability platform that enables overspending prevention.

No spreadsheets, no lectures, just real-time guidance and foresight that prevent overspending before it happens.

Is this only for people who are struggling?

No. Lumi Money is for anyone who wants to feel more confident, less anxious, and more in control of their money.

Whether you’re rebuilding or refining, Lumi Money helps you see what’s ahead so you can spend smarter.

What if I fall behind or take a break?

No problem. Your account data and settings stay secure.

When you’re ready, simply reconnect your bank account and Lumi Money will pick up where you left off. No lost progress.

Can I cancel anytime?

Yes. There are no contracts, penalties, or hidden fees.

You can cancel directly in your account, and your access will continue through the end of your billing period.

Coming Soon

Get Notified About Lumi Money

Sign up to get early access.

Join the Wait List