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Lums

Manage your money with AI. Get smart insights, track spending, and predict cash flow.

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Lums is an AI Business tool. Manage your money with AI. Get smart insights, track spending, and predict cash flow. Key features include AI Chat Assistant, Automatic Transaction Categorization, and 14-Day Cash Projection. Best for freelancers and contractors, content creators and financial advisors and analysts.

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About Lums

Lums is an AI financial helper. It connects your accounts to track spending, make budgets, and predict your cash. It answers financial questions and finds forgotten subscriptions. It also monitors for fraud.

Key Features

AI Chat Assistant.

This feature lets you talk to your money. Ask it questions about your spending, budgets, or money habits in simple terms.

Automatic Transaction Categorization.

Lums uses smart technology to sort your spending. It learns how you spend over time.

14-Day Cash Projection.

See how much money you’ll have in the future. It looks at your income and spending to predict your balance.

Multi-Account Aggregation.

Connect all your money accounts in one place. Your checking, savings, credit cards, and even cash accounts can all link up easily.

Fraud & Anomaly Detection.

Lums can spot weird or suspicious transactions. It helps you catch unusual spending patterns automatically.

Smart Budget Building.

Create a personal budget fast. It uses your financial goals and past spending to build a budget just for you.

Frequently Asked Questions

Yes, Lums uses bank-level security with AES-256 encryption. It processes data on private Google Cloud servers and never shares credentials with third parties. You have read-only access control and can disconnect instantly.

Lums focuses on privacy, AI-driven conversational insights, and advanced fraud detection. Unlike competitors, it doesn't sell your data or use ads. Your privacy is its main priority.

Yes, Lums supports multi-currency accounts and works with international banks connected through Plaid. This makes it great for people with global finances.

You can cancel your subscription at any time. All your data will still be accessible, but you will lose access to AI features and advanced analytics. If you reconnect later, all features will be restored.

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