Know What's Safe to Spend Before You Buy

Because your bank balance alone can lead to overspending

Spend with confidence
Stay ahead of your money
Avoid financial surprises

Download Lumi Money

Why Lumi Money?

75% live paycheck to paycheck, either all the time or some of the time.

Survey Respondents
Budgeting, Saving, and Financial Tools Survey

Why Lumi Money?

More than 33% don’t use a money app and say they’re overwhelming or unhelpful.

Survey Respondents
Budgeting, Saving, and Financial Tools Survey

Why Lumi Money?

46% say unexpected expenses are one of their biggest financial challenges.

Survey Respondents
Budgeting, Saving, and Financial Tools Survey

Why Lumi Money?

Nearly 50% recently faced overdrafts, missed bills or surprise expenses.

Survey Respondents
Budgeting, Saving, and Financial Tools Survey

Daily Safe-to-
Spend

What you can spend each day automatically adjusted as life changes.

SpendSmart
Calculator

See how a purchase affects your finances before spending.

Weekly & Monthly
Forecasts

See income and expenses ahead, updated in real time.

Alerts &
Notifications

Helpful nudges guide better decisions when it matters most.

Secure Bank
Connections

Secure connection keeps your spending and forecasts current.

Smart Review For
Transactions

Categorize transactions quickly with smart suggestions.

Know What's Safe-to-Spend

No need to guess or check your bank balance.

Download on iPhone Download in Android

Still Deciding?

Here's What You Should Know

Do I have to link my bank account?

Yes. Lumi Money securely connects to your bank account so it can keep your spending, bills, and Safe-to-Spend balance up to date in real time.

That connection is what allows Lumi Money to provide foresight and prevent overspending before it happens.

What happens after the 14-day trial?

After your free trial, your membership continues automatically at $20/month or $149/year, so you never lose access to your insights or foresight.

We’ll remind you before your trial ends, and you can cancel anytime directly from your account settings.

I’ve tried other budgeting apps. How is this different?

Lumi Money isn’t a budget tracker.

It’s an AI-powered accountability platform designed to prevent overspending through real-time foresight, not spreadsheets, categories, or lectures.

Instead of telling you what already happened, Lumi helps you see what’s ahead and guides decisions before money stress shows up.

Is this only for people who are struggling?

Not at all.

Lumi Money is for anyone who wants to feel more confident, less anxious, and more in control of their money, whether you’re rebuilding or refining.

If you want clarity about what’s safe to spend and what’s coming next, Lumi is built for you.

What if I fall behind or take a break?

No problem.

Your data and settings stay secure, and when you’re ready, you can reconnect your bank account and pick up right where you left off — no lost progress.

Lumi is designed to support real life, not punish pauses.

Can I cancel anytime?

Yes. There are no contracts, penalties, or hidden fees.

You can cancel directly from your account, and you’ll continue to have access through the end of your billing period.

Know What's Safe to Spend Before You Buy

Your Bank Balance Doesn’t Tell the Whole Story

Made For The Moment Before You Spend

Know What's Safe to Spend

Check Before You Buy

See What's Coming Up

Spend With Confidence

Know What's Safe to Spend

Your Bank Balance Is Misleading

See What’s Coming Up