Lucid

Lucid is a manual personal finance manager designed for users who want total control over their data without linking any bank accounts. All transactions, assets, and liabilities must be entered manually.

MANUAL TRANSACTION LOGGING • Total Privacy: Lucid does not integrate with banks or financial institutions. You must log every transaction yourself. • Auto-Categorization: When you log a manual entry, Lucid's AI suggests a category (Food, Travel, etc.) for that spending. • Detailed Ledger: View a full history of your manually entered income and expenses.

BUDGETING & GOALS • Envelope System: Set monthly spending limits for different custom categories. • Savings Goals: Create specific goals (like an emergency fund) and manually track your progress toward them. • Affordability Check: A basic calculator tool that analyzes your manually entered budget to help you decide if a planned purchase fits your limits.

AI-GENERATED INSIGHTS • Wealth Score: Calculates a score based entirely on the budget and spending habits you report. • Spending Forecasts: Predicts your end-of-month totals based on your current manual entry trajectory. • Subscription Audit: Scans your manual ledger to find potential recurring costs. • Net Worth Estimates: Projects future net worth based solely on your manually reported balances.

SECURITY & DATA CONTROL • No Bank Linking: We never ask for, collect, or store bank credentials. • Full Data Deletion: You can permanently delete your account and all associated manual entries from our servers at any time with one tap.

Disclaimer: Lucid is a personal tracking tool. All data is based on user-provided manual entries. Insights are generated by AI for informational purposes only and do not constitute professional financial, investment, or legal advice.