# 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.

[Discover how it works](/content/en-ca/accounting-engine/index.html)

### 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?