You need a budget but you deserve Lums
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 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
+ thousands more
Dashboard
Net worth Jun 2025
$47,230
↑ +$1,030(2.2%)
Assets
$52,480
Liabilities
$5,250
Cash Flow
+$3,360
Income
$6.2k
Spent
$2.8k
Spending by Category
- Housing: $1.2k
- Food: $580
- Transport: $420
- Shopping: $640
Ask Lums
What did I spend on food this month?
You've spent $689 on food across 22 visits. Groceries: $421.
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.
Connected to your live data
Every answer reflects your actual accounts and real transactions, always up to date.
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.
Monthly budget $4,500
$2,996 remaining
Spent $1,503
4 days left
Budget Groups
- 🍜 Restaurants: Left $88.23 of $520
- 🛒 Groceries: Left $223.50 of $900
- 🐾 Pet: Left $29.07 of $150
- 🚗 Transportation: Left $70.38 of $345
Your data always secured
Connected via Plaid
You authenticate directly with your bank, we never see your credentials.
Encrypted & Isolated
Tokens secured with AES-256; data stored separately per user.
Secured AI Processing
Your financial data is processed in our own secure Google Cloud environment never sent to external AI services like OpenAI or Anthropic.
Total Control
Read-only access to your accounts, nothing can ever be moved or modified. You can disconnect or delete your data instantly, anytime.
Learn how we keep your data safe
One simple plan. Everything included.
- Yearly-33%
- Monthly
- Limited time discount $6.66 $3.33/ month
- $79.99 $39.99 billed yearly.
Get Started
14 days Free Trial - no credit card required
A sustainable company with transparent pricing
Because we'll never sell your data, run ads, or monetize your privacy, subscriptions are how we support development and keep Lums independent.
Frequently Asked Questions
General Questions
- What is Lums?
Getting Started
- 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?
- Can Lums replace Mint?
- What's the best budgeting app?
- Can a budgeting app help me save money?
- What is your privacy policy?
Subscriptions
- Is Lums a free budget app?
- Why isn't Lums free?
- How do I delete a connected bank account?
Lums Is Not a Bank
- Is Lums a bank?
- Can I get a credit card through Lums?
- Do you offer a credit score or credit monitoring?
- Can I get a loan or credit line with Lums?