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woman checking the Lumi Money app on mobile device to see what is safe to spend today

Your Bank Balance Doesn’t Tell You What’s Safe to Spend.

Lumi Money  shows you what’s safe to spend today  before you swipe or tap to pay.

  • Stop guessing between paychecks

  • See what’s safe to spend right now

  • Plan around upcoming bills automatically

  • Avoid surprise overdrafts and bill stress
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Question

Can You Really Trust Your Bank Balance?

Your bank balance tells you what you have.
It doesn’t tell you what you can safely spend.

▶ Watch the video for more.

Lumi Money Is Made For

The Moment Before You Spend

Know what is safe to spend with Lumi Money

Know What to Spend Daily

Get help with spending decisions with Lumi Money

Get Help With a Purchase

See what is ahead each week with Lumi Money

See What’s Ahead Each Week

Connect bank data easily with Lumi Money

Connect Bank Securely

Turn transactions into insights with Lumi Money

Get Real-World Insights

woman grocery shopping and deciding what to purchase

Lumi Money Helps

When You’re About to Spend

Spending decisions don’t happen at your desk.
They happen at checkout, online, in the moment.

  • Check what’s safe before you swipe or tap
  • Know what’s coming up in the next 7 days
  • Gain assurance to spend confidently
Download Lumi Money
man picking out clothing and deciding what to purchase

Lumi Money Helps

When You’re Making the Decision

You’re about to tap to pay or swipe your card.

It feels fine, but is it safe?

You can find out in seconds.

  • Enter what you want to buy and the amount
  • See if it fits your plan before you swipe or tap
  • Replace mental math with clarity
Download Lumi Money
Lumi Money is built for real life for a family of three

Why Lumi Money?

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

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Survey Respondents
Budgeting, Saving, and Financial Tools Survey

Lumi Money is built for real life for a woman and her dog

Why Lumi Money?

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

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Survey Respondents
Budgeting, Saving, and Financial Tools Survey

Lumi Money is built for real life for a family of four

Why Lumi Money?

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

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Survey Respondents
Budgeting, Saving, and Financial Tools Survey

Lumi Money is built for real life for a man working

Why Lumi Money?

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

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Survey Respondents
Budgeting, Saving, and Financial Tools Survey

Lumi Money Helps

When You Need to Look Ahead

Spending today is one thing.
Knowing what the next 5 to 14 days look like is another.

See your projected balance and upcoming expenses.

get a forecast for the days ahead with Lumi Money
Plan your finances weeks ahead when at home with Lumi Money

Lumi Money Works

So You Stay in Control Without Obsessing

Confidence for today, tomorrow and before you spend.

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.

Try Lumi Money

Before Your Next Purchase

Know what you can safely spend.

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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.