Lums

Lums is an AI-powered personal finance tool designed to give individuals a clear, forward-looking view of their money. It helps users understand past spending, manage current cash flow, and forecast future balances so they can make informed financial decisions. The primary purpose of Lums is to simplify budgeting and savings planning by automating the most time-consuming parts of money management while providing accurate, data-driven insights.

The platform automatically categorizes transactions from connected bank accounts and cards, enabling users to see where their money goes without manual data entry. Lums generates balance forecasts based on recurring income, bills, and spending patterns, allowing users to anticipate low-balance periods and adjust in advance. Users can create and adjust budgets within minutes, with the AI offering recommendations based on historical behavior and financial goals. Visual dashboards and timelines help track spending trends, upcoming obligations, and progress toward savings targets in an intuitive format.