LUMO: Finance Forecast

LUMO is a modern personal finance app and budget planner that helps you take control of your money through a visual cash flow calendar — so you always know what's coming in, what's going out, and what your balance will look like days or weeks ahead. Unlike a traditional expense tracker, LUMO gives you a cash flow forecast app experience that projects your finances forward, not just backward.

PLAN YOUR FINANCES
- See your projected balance for any future date with our bill calendar budget view
- Schedule bills, subscriptions, and income deposits
- Track one-time and recurring expenses in one place
- Know your effective cash position — what you can actually spend before your next payday

MANAGE DEBT
- Use our budget app with loans and credit card tracking
- See payoff timelines and progress
- Organize all your debt accounts in one view

SET AND REACH GOALS
- Create savings goals and budget plans
- Track progress toward each goal over time
- Allocate money across multiple priorities with sinking funds and envelopes

STAY ORGANIZED
- Calendar integration for bill and income reminders
- Clean, intuitive interface designed for daily use

SUBSCRIPTION PLANS
- Free plan available with core budgeting tools
- Personal, Plus, and Household plans for advanced features
- Student and Founder pricing available
- Lifetime access option

LUMO does not connect to your bank account. No sensitive financial credentials are ever stored or transmitted.

Download LUMO — your budget planner and cash flow forecast app — and start seeing your financial future clearly.

Recent changes:
• 30-day free trial — unlock What-If Sandbox
• App Lock — protect your financial data with a password and optional biometric unlock. Auto-locks after 5 minutes of inactivity.
• Cloud Backup & Sync — back up your budget to the cloud and restore it on any device.
• Life-Changing Event flow — guided checklist when your financial situation changes.
• Recalibrate — re-sync your real bank balances in two quick steps.
Bug fixes, a new change-email option for subscribers, and stability improvements