Lums

What it does

Lums is an intuitive AI-powered money management and budgeting application designed to provide total financial clarity. It allows users to build a budget in minutes, manage multi-currency accounts, and automatically categorize transactions using intelligent automation. Key features include a 'Chat with your money' interface for instant insights, 14-day balance forecasting, and smart alerts that detect fraud, bill increases, and hidden subscription costs. The platform prioritizes security by using Plaid for read-only bank connections and processing data within a secure Google Cloud environment without sharing it with external AI services.

Core features

• ✦AI-powered automatic transaction categorization and memory
• ✦14-day cash flow and balance prediction
• ✦Interactive AI chat for financial inquiries and insights
• ✦Smart alerts for subscriptions, fraud, and budget milestones
• ✦Secure bank integration via Plaid with read-only access
• ✦Multi-currency support and manual cash account tracking

Use cases

• →Identifying and managing hidden recurring subscription costs
• →Predicting future bank balances to plan for upcoming expenses
• →Building a comprehensive monthly budget in less than two minutes
• →Reviewing spending history via natural language queries