You need a budget but you deserve Lums
The Accounting Engine
Your numbers are mathematically guaranteed
Lums is built on double-entry bookkeeping, the same standard every major bank has trusted for 500 years. Your numbers aren't estimates. They're verified.
Always balanced
Every transaction is verified automatically. If something's off, like a duplicate charge or a missed transfer, Lums catches it before you do.
Permanent history
Your complete transaction history from day one. Nothing expires.
Transfers done right
Moving money between accounts never inflates your spending or income.
True net worth
Not an estimate. A real balance sheet, recalculated automatically every time something changes.
One Dashboard
One simple dashboard, powered by a real accounting system
Connect all your bank accounts automatically via Plaid, or add them manually. Checking, savings, credit, investment, cash every account in one place, always up to date.
- Automatic bank sync via Plaid. Works with 200+ institutions.
- Add any account manually, including cash and foreign accounts.
- Multi-currency with automatic live conversion.
- Net worth, cash flow, and spending all in one view.
Dashboard Overview
Net worth Jun 2025: $47,230 (↑ +$1,030(2.2%))
Assets: $52,480 (+2.1%)
Liabilities: $5,250 (-1.5%)
Cash Flow: +$3,360
Income: $6.2k
Spent: $2.8k
Spending by Category
- Housing: $1.2k
- Food: $580
- Transport: $420
- Shopping: $640
Chat with your money
Ask anything, in plain English
From "what did I spend on groceries?" to "will I run out before payday?"
Instant charts and breakdowns
Charts, trends, and comparisons appear automatically. No digging, no exports.
Your data stays yours
We never train on your financial data.
Build your budget in minutes
Our AI helps you set up a budget that fits your goals. It guides through the years for you to keep the control.
Budget Groups
- 🍜 Restaurants: Left $99.71 of $520
- 🛒 Groceries: Left $189.04 of $900
- 🐾 Pet: Left $25.64 of $150
- 🚗 Transportation: Left $69.79 of $345
Peace of mind. The freedom to focus on what matters.
When you see what's next, you can move confidently toward your goals.
Your data always secured
Encrypted & Isolated
Tokens secured with AES-256; data stored separately per user.
Total Control
Read-only access to your accounts, nothing can ever be moved or modified. You can disconnect or delete your data instantly, anytime.
One simple plan. Everything included.
Yearly-34% Monthly Plan
Limited time discount: $4.58/ month CAD (billed yearly at $54.99 CAD)
Frequently Asked Questions
General Questions
- What is Lums?
- How do I download the Lums app?
- How does Lums work?
- Can I try Lums without connecting my bank account?
- How do I connect my bank account to Lums?
- Why should I connect my bank account to Lums?