Lumo

Lumo is your calm, intelligent financial companion — designed to give you clarity without the overwhelm.

Connect your bank account and Lumo instantly analyses your finances, giving you a real-time financial health score (0–100), a 30–90 day cash flow forecast, and AI-powered insights that explain what's happening with your money and why.

WHAT LUMO DOES

🏦 Bank aggregation — securely connect your accounts via open banking. Read-only, so Lumo can never move your money.

📊 Financial health score — a single number that tells you how healthy your finances are, with a clear breakdown of what's driving it.

📈 Cash flow forecasting — see your projected balance 30, 60, and 90 days ahead, with a "safe until" date so you always know where you stand.

🎯 Goal tracking — set a primary financial goal and track your progress automatically.

🤖 AI copilot — ask Lumo anything about your finances. "Can I afford £500?" or "What's my biggest risk next 30 days?" Lumo answers using your real data, not guesses.

💡 Explainable insights — every score, forecast, and suggestion comes with a plain-English explanation of why it matters.

PRIVACY & SECURITY

Lumo is read-only. We never store your bank credentials and we can never move your money. All data is encrypted and stored securely. We do not sell your data or show ads.

Lumo is built for people who want to feel in control of their money — without spreadsheets, jargon, or financial anxiety.