Your AI Financial Assistant

Know where you stand.
Know what's next.

Lumo provides intelligent financial oversight - analysing your accounts, forecasting short-term outcomes and surfacing what matters - in one calm, focused view.

Join the Waitlist → See the app
Lumo Home - Health Score 78/100, House deposit goal, 57 days runway
Why Lumo

Intelligent financial oversight - so you don't have to think about it

An AI-powered financial assistant that gives everyone real-time clarity, short-term forecasting and decision confidence - no need for budgeting spreadsheets.

Features

Delegated intelligence.
Not more dashboards.

What a real financial advisor offers - clarity, confidence, and future visibility - now in your pocket.

✦ Only Lumo
AI-Powered Financial Intelligence
Lumo doesn't just show data - it thinks. Personalised insights, forecasting, and decision support, all grounded in your actual financial position. Delegation and calm intelligence.
📊
Health Score (0–100)
One number that tells you where you stand. Runway, bill coverage, spending volatility, and debt stress - each factor explained.
💬
AI Copilot
Ask Lumo anything about your money in plain English. Get informed, personalised answers grounded in your accounts, forecast, and financial position.
📅
"Safe Until" Date
How long your money lasts. Lumo detects income and bills, models variable spending, and gives you a clear runway.
📈
90-Day Forecasting
30, 60, or 90 days ahead with variance bands. Your financial trajectory, not just today's balance.
💡
Explainable AI
Every insight includes drivers, confidence, and links to your data. Ask "why?" and get a real, cited answer.
🎯
Goal Alignment
House deposit, holiday, savings - set your goal and Lumo tracks progress and projects your timeline automatically.
The App

Three tabs. Zero overwhelm.

Home for the big picture. Plan for the details. Ask for everything else.

Open the app. That's it.

Your personalised financial snapshot - all at a glance. Default state: "You're OK. No action needed."

  • 📊Your health score out of 100, colour-coded to how you're doing
  • 📅How many days of runway you have - your "safe until" date
  • 🎯Savings goal tracking and progress monitoring
  • 💡AI-driven insights on what's changed and how to reach your goal
Lumo Home Screen

Your forecast, your details

AI-analysed data with clear projections. Choose your horizon, see where you're headed, and understand the range of outcomes.

  • 📈30, 60, and 90-day projections of income and expenses
  • 📊Variance bands showing best and worst case outcomes
  • 🔄Recurring income and bills detected automatically
  • 💰Predicted balance at 30, 60, and 90 days
Lumo Plan Screen

Ask anything. Get informed answers.

Your financial copilot draws on established financial principles and your real account data to give you answers you can trust - not generic advice or guesswork.

  • 💰"Can I afford to treat myself?"
  • 📉"Why did my score change?"
  • ⚠️"What's my biggest risk in 30 days?"
  • 🔮"Anything coming up I should know about?"
Lumo Ask Screen
How It Works

Set up once. We'll do the rest.

01
🔗
Connect your accounts
Connect all your UK bank accounts and cards. Read-only - Lumo can never move your money. Takes about 2 minutes.
02
🧠
Lumo learns your patterns
Income, bills, spending habits detected automatically. Your financial graph is built in the background - no manual entry.
03
✨
Open the app. Done.
Health score, forecast, and insights are waiting. Default state: "You're OK." If something needs attention, Lumo tells you why.
04
🔄
Always up to date
Lumo updates automatically as you spend. Check in any time, and chat to your AI copilot whenever you need an insight or want to ask a question.
The Difference

From guessing to knowing.

😮‍💨 Today
  • ✕Checking multiple apps to piece it together
  • ✕No idea how long your money will last
  • ✕Guessing if you can afford things
😌 With Lumo
  • ✓One calm view of all your accounts
  • ✓Your runway, plain and simple
  • ✓Ask and get an informed answer
Security

Your data stays yours.

🔒
Read-Only
Lumo can view balances and transactions but can never move your money.
🛡️
Encrypted
256-bit AES at rest. TLS 1.3 in transit. Credentials never touch our servers.
🔑
Secure Auth
AWS Cognito with MFA. OAuth tokens stored server-side, never on device.
📋
Audited
Every data access logged with structured observability and automated alerting.

Financial anxiety, solved.

Join the waitlist and be the first to experience financial clarity. No spam, no commitment - just an invitation when we're ready.