# 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.

[Discover how it works](/content/en-us/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 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](/content/en-us/your-privacy/index.html)

## 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?