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Your Bank Balance Is Not What’s You Can Spend

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

  • Stop guessing before you spend

  • See what’s safe based on bills & paychecks

  • Avoid overdrafts and stress
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Your Bank Balance Doesn’t Tell the Whole Story

Your balance shows what you have.
Not what you can safely spend.

▶ Watch the video for more.

Made For The Moment Before You Spend

Know what is safe to spend with Lumi Money

Know What's Safe to Spend

Get help with spending decisions with Lumi Money

Check Before You Buy

See what is ahead each week with Lumi Money

See What's Coming Up

Turn transactions into insights with Lumi Money

Spend With Confidence

woman grocery shopping and deciding what to purchase

Before You Spend, Know What’s Safe

Overspending doesn’t happen at the end of the month.

It happens in the moment.

  • Know what’s safe before you pay
  • See what’s coming up
  • Make the decision with confidence
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man picking out clothing and deciding what to purchase

Make Better Money Decisions in Seconds

You don’t need a full budget to know your next move.

Lumi gives you a clear answer instantly:

  • Can I afford this?
  • Will this affect my next paycheck?
  • Am I still safe after this purchase?
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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

See What’s Coming Up

Your money isn’t just about today.

Lumi shows your upcoming bills and future balance
so nothing catches you off guard.

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

Stay in Control Without Overthinking

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 You Can Spend Before You Pay

No need to guess or check your bank balance.

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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.