Lumo: Financial Assistant

Stop guessing your money.

Lumo is your financial assistant – always on, always learning, and always one step ahead. It shows exactly where you stand, what’s coming up, and how long your money will last.

Unlike traditional finance apps that only track the past, Lumo helps you see the future.

Connect your accounts securely and instantly get a clear, forward-looking view of your finances. No spreadsheets. No manual tracking. Just clarity.

SEE WHERE YOUR MONEY STANDS
Get a real-time view of your finances across all your accounts – balances, bills and spending in one place.

SEE WHAT’S COMING NEXT
Lumo predicts your future balance and helps you avoid running out before payday. Always know your safe-to-spend position.

YOUR FINANCIAL COPILOT
Ask “Can I afford this?” or “What’s my biggest risk this month?” Lumo answers instantly using your real data – not generic advice.

UNDERSTAND YOUR FINANCIAL HEALTH
One simple score (0-100) that tells you if you’re on track – always updated, always explained.

TRACK YOUR GOALS CLEARLY
Set savings goals and see your real progress in real time. No gamification – just honest numbers.

STAY AHEAD OF PROBLEMS
Lumo detects recurring income and bills, and flags risks before they happen – so you can act early.

PRIVATE AND SECURE
Read-only Open Banking connection
Lumo never moves your money
Your bank credentials are never stored
Bank-grade encryption throughout

Start for free in under 60 seconds and finally feel in control of your money.