Lumi Money: Spend Better Today

Know what you can safely spend before you pay.

Lumi Money is a smarter budget planner and money tracker that helps you understand what’s safe to spend today based on your balance, bills, subscriptions, and upcoming paychecks.

Unlike traditional budgeting apps that only track past spending, Lumi Money helps you make spending decisions before you buy.


REAL-TIME SPENDING GUIDANCE

Most budgeting and expense tracker apps focus on:
• Tracking expenses
• Categorizing transactions
• Reviewing past activity

Lumi Money focuses on what matters next:
• What you can safely spend today
• How purchases affect future bills
• Whether you can afford something before checkout
• Staying in control between paychecks

Your Daily Safe-to-Spend number updates using your connected accounts, recurring bills, subscriptions, and future cash flow forecast so you always know where you stand.

That means:
• No guessing before you pay
• No mental math
• No surprise overdrafts
• No running out of money mid-month
• Clearer spending decisions every day


PLAN AHEAD BEFORE YOU BUY

Most money management apps are built around monthly budgets.

But real life happens between paydays.

Lumi Money helps you:
• See upcoming bills and subscriptions
• Understand future cash flow
• Check purchases before buying
• Avoid spending money you’ll need later
• Build smarter spending habits

Whether you’re managing bills, trying to avoid overspending, or simply looking for a simpler budget app, Lumi gives you a clearer answer before you spend.


WHAT YOU GET

• Daily Safe-to-Spend number
• Real-time cash flow forecasting
• Budget planner and expense tracking
• Spending insights and guidance
• Secure bank connection
• Future spending awareness
• Purchase planning tools
• Alerts for overspending risk
• Simple personal finance guidance


BUILT FOR REAL LIFE

Lumi Money is built for people who:
• Live between paychecks
• Want a simpler way to budget
• Struggle with impulse spending
• Want to avoid overdraft fees
• Find budgeting stressful or confusing
• Want to feel more confident spending money

No spreadsheets. No complicated budgeting systems. Just a clearer answer before you spend.

If you’ve ever asked:
“Can I afford this right now?”

Lumi Money helps you know before you buy.
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