Your Money. Fully Accounted For.
Most personal finance apps count your spending. Lums accounts for every dollar, the same way banks have for 500 years.
Other apps tell half the story
Most personal finance apps use single-entry accounting, a simplified model with no built-in verification. Errors accumulate silently. Transfers look wrong. History disappears.
Transfers counted twice
When you move money between accounts, single-entry apps record it as both an expense and income. Your numbers look wrong, because they are.
Transactions that vanish
Bank sync issues, duplicate entries, missed imports. In a single-entry system, there's no mathematical way to know what's missing.
History that disappears
Most apps limit your history to 90 days. Anything older is gone and unverifiable, as if it never happened.
The Lums difference
Lums tells the whole story by using double entry bookkeeping
What double-entry means for your wallet
Your numbers always add up
Our system is mathematically self-balancing. Every transaction is verified automatically. If something doesn't add up, like a duplicate charge or a sync error, Lums catches it before you would.
Transfers that actually make sense
Paying your credit card, moving money to savings, topping up investments: in Lums, transfers are tracked correctly. They never inflate your income or your expenses.
Your complete history, forever
Every transaction is permanently recorded in an immutable ledger. Look back a year or five. Your history doesn't expire and it never changes without you knowing.
Your true net worth
Because Lums tracks all your assets and liabilities in a real accounting system, your net worth is always accurate. Not a rough estimate, but a real balance sheet updated the moment anything changes.
AI that works on real data
When Lums tells you how much you spent last quarter or predicts your balance next month, it draws on verified, complete data. Garbage in, garbage out: we prevent the garbage.
Why the accounting model matters
The foundation of your financial data determines the quality of every insight built on top of it.
| Other apps | Lums |
|---|---|
| Accounting method | Single-entry |
| Math verification | None |
| Transfer handling | Often wrong |
| Transaction history | Limited (90 days) |
| Net worth calculation | Estimate |
| Used by banks & institutions | |
| AI works on verified data |
Common questions
Do I need to understand accounting to use Lums?
How is this different from what my bank shows me?
What does double-entry actually mean?
Do other personal finance apps do this?
Ready to see your complete financial picture?
Join people who stopped guessing about their money.