Yourmoney,finallyinfocus.
Bring your accounts, budgets, goals and bills into one calm place. LumynFi organizes the numbers you enter, then quietly forecasts your cash, flags anything unusual, and reminds you before things fall due.
Free core features · No card required
Good evening, Imran
Income
$6,400
Expense
$4,050
Cash flow · 6 mo
+$1,342 net
AI insight
Your money lives in
nine different places.
Banking apps, a notes file, a spreadsheet you forgot to update, a vague sense of dread before payday. The full picture never sits in one place, so you react instead of plan.
LumynFi pulls it together into one quiet, intelligent command center, and then does the thinking for you.
Net worth
$30,990
From scattered to sorted, in five steps.
Follow the journey from your first transaction to a calm, clear picture of your money, with each step visualized exactly as it works inside LumynFi.
Record money in seconds
Type an expense, log your income, or scan a receipt. No bank login, so you stay in control of every number that goes in.
Expense trackingEverything sorts itself
Each entry lands in the right account and category, and recurring bills and subscriptions group themselves automatically.
All-in-one organizerSee where it really goes
Clear charts show money in versus money out, your spending by category, and the months that run tight, all at a glance.
Cash flowStay ahead, effortlessly
Budgets watch each category, goals track your savings, and dependable reminders surface bills and money owed before they're due.
Budgets & goalsA clear money picture
Watch your habits improve and your goals get closer with a calm, honest overview of where you stand, always your own numbers.
Financial dashboardEverything your money
needs, in one calm place.
Fifteen connected tools to record, organize and understand your money, never to invest, lend or manage it for you. Tap any feature to see exactly how it works.
Record everyday money
Capture every dollar in and out, in seconds, on any device.
Stay in control
Set limits, targets and reminders so nothing slips through.
See the whole picture
Turn the numbers you record into a calm, clear overview.
Private by design
Your data, your device, your numbers, never sold and never guessed.
The real app,
not a mockup.
Every screen below is captured straight from LumynFi. Tap through to explore the interface you'll actually use, on desktop and on your phone.
Dashboard. Your whole money picture (balance, spending and insights) the moment you open the app.
Learn moreThree everyday wins,
up close.
Every account,one clear view.
Connect balances, income and expenses and watch them reconcile in real time. Spending is sorted automatically, so the picture is always current, never a spreadsheet behind.
- Live multi-account balances
- Automatic categorization
- Transfers handled atomically
Main checking
City Bank
Savings
City Bank
Travel card
Wise
Budgets thatwatch your back.
Set a limit per category and LumynFi tracks it against your spend, nudging you before you go over, and surfacing recurring bills the moment they come due.
- Approaching / over alerts
- Recurring bill reminders
- Per-period rollups
Approaching limit: $10 left
Goals with areal plan attached.
Name a goal and get a monthly contribution plan, an honest ETA, and an on-track / tight / unrealistic read, recomputed live as your money moves.
- Monthly-required math
- Feasibility scoring
- Disposable-income savings plan
It doesn'tjust track.It thinks ahead.
Numbers are computed in code for total accuracy, then LumynFi's AI reads them and tells you, in plain language, what's about to happen and what to do about it.
Cash-flow outlook
At this pace your checking dips below $400 around the 26th. Move $250 from savings to stay clear.
Unusual spending
Dining is up 18% vs your 3-month average, with three new merchants this week.
Goal on track
Emergency fund is ahead of schedule, so you'll hit $10k five weeks early.
Projected balance · 30 days
$33,480 →Categorized in seconds
Balance accuracy
Cash-flow outlook
Proactive monitoring
Same money.
A calmer mind.
On your own
Scattered & reactive
- Balances scattered across apps, notes and memory
- Bills and renewals remembered too late
- No idea where the month actually went
- Money you lent quietly forgotten
- A vague sense of dread before payday
With LumynFi
Organized & ahead
- Every account in one always-current total
- Reminders surface bills before they're due
- Spending sorted and visualized automatically
- Money owed tracked with dates, both ways
- A calm, clear picture you can trust
Guides to organize
money with confidence.
Yes. Data is userId-scoped and isolated, sensitive fields are encrypted at rest, and we never sell your data. Numbers are computed in code, and the AI only narrates them.
Money,madecalm.
Join LumynFi and finally see your whole money picture in one calm place.
Core features free forever · No card required