Your contracts change. Your finances shouldn't be a mystery

Base pay, overtime, housing stipends, travel reimbursements: Lums untangles every income stream so you always know what you're actually keeping.

Your financial reality

Managing money on the road is genuinely hard

When your income changes with every contract and your expenses blur across provinces, standard finance apps don't cut it.

"Am I making enough?"

Base pay, overtime, and stipends all land in the same account. Without separating them, you have no idea what your actual take-home is.

"Where did it all go?"

Housing, travel, food, and personal spending are mixed together. It's impossible to see what you're really spending on your own life.

"What can I afford between contracts?"

During gaps between assignments, cash burn is invisible. Without a clear picture, you overspend before you realize it.

"I don't have time for spreadsheets."

You're working 12-hour shifts. Financial admin shouldn't require a full weekend. Just quick answers when you need them.

How to use Lums

Track your contract income in under 10 minutes

Here's exactly how a traveling nurse like Maya sets up Lums to separate stipend spending from real income.

  1. Create a housing stipend tracker

Give your stipend its own dedicated space so you never mix it with your real spending money.

Ask Lums:"Create a manual account called 'Housing Stipend Tracker' as a checking account."

  1. Tag all stipend-funded expenses

Label every housing cost, like rent, Airbnb, and sublease payments, with a single tag so you can filter them out anytime.

Ask Lums:"Tag all transactions from ApartmentList, Airbnb, and my sublease payments with the tag 'housing-stipend'."

  1. Automate future tagging

Create a rule once and never touch it again. Every future Airbnb charge gets tagged automatically.

Ask Lums:"Create a rule: whenever the merchant contains 'Airbnb', automatically add the tag 'housing-stipend'."

  1. Separate your income streams

Pull up all income from the last 3 months and split out base pay from overtime and bonuses.

Ask Lums:"Show me all income transactions from the last 3 months. Separate base pay from overtime and bonuses."

  1. Ask the right questions

Now that everything is organized, get the answers that actually matter for your financial life.

Ask Lums:"What were my true out-of-pocket living expenses this month, excluding housing stipend spending?"

Questions every traveling nurse should be asking

  • "How much did I earn on my last contract vs. my current one?"
  • "What were my true out-of-pocket expenses this month, excluding stipend spending?"
  • "Am I spending more on food and personal costs between contracts?"
  • "How much am I spending per day on average over the last 30 days?"
  • "At this rate, how many days until my savings drop below $5,000?"
  • "Which subscriptions am I paying for that I haven't used in the last 30 days?"
  • "What's my biggest discretionary expense I could cut right now?"
  • "Show me all income tagged 'overtime' from the last 6 months."

Ask your money anything

Connect your bank, start asking questions. No setup, no dashboards, just answers backed by your actual data.