Your money's been keeping you up at night. Lumi helps you breathe.
The only finance app with a companion who grows when you save. Connect your bank. Watch Lumi thrive.
Free forever · Bank connection in 60 seconds · No credit card
virtual pet apps adopted globally
of Gen Z can't sleep from money stress — we're changing that
cash advance fees. Ever.
We know what your bank app does to you.
You open it. The numbers are bad. You close it. Nothing changes. Repeat every Sunday night at 11pm.
Every time I check my balance, I feel like a failure.
66% of Gen Z feel anxious the moment they open their bank app. Not because they're irresponsible. Because the apps were designed to show you what went wrong — not how to do better.
I tried five apps. I gave up on all five.
YNAB has a methodology. Monarch has a learning curve. Mint had 25 million users, then it shut down. These apps were built for adults who enjoy budgeting. Most people are not those adults.
I know I should budget. But nothing makes me want to actually do it.
21.7% of adults 18-24 have ADHD. For the rest: budgeting apps are boring. For those with ADHD, they're actively punishing. No dopamine. No streaks. No reason to come back tomorrow.
There's a better way to relate to your money. And it starts with Lumi.
INTRODUCING LUMI
What if your finances came with a friend?
Lumi is your AI companion. She lives in a garden that thrives when your finances do — and wilts gently (with zero judgment) when things go sideways. Connect your bank, and she goes to work: tracking your spending automatically, celebrating your wins, and nudging you toward better choices in a language that doesn't make you feel like a failure. She's not a dashboard. She's not a chatbot. She's the friend you've been trying to budget with this whole time.
Meet Lumi ->Free to start · No credit card needed
Built for the way Gen Z actually thinks about money.
No methodology to learn. No dashboard to fear. Just Lumi.
Stop dreading Monday morning.
AUTOMATED TRACKINGLumi connects to your bank and categorizes every transaction automatically. No spreadsheets. No manual entry. No executive function required. If she gets something wrong, one tap fixes it — and she learns.
A finance app you'll actually open tomorrow.
DAILY CHECK-INEvery morning, Lumi sends you a one-line spending summary in her own voice. Not a notification you dismiss. A check-in from someone who's been keeping track. After 30 days, you'll open lumi before you open Instagram. That's the point.
Turn saving into something you want to do.
GARDEN GROWTH SYSTEMEvery smart money move grows Lumi's garden. Stay under budget — she sprouts new flowers. Earn XP — unlock rare garden items. This is not a gimmick. This is proven behavioral psychology applied to your bank account.
Your garden, growing in real time.
This is what it feels like when your finances finally belong to you.
People who used to avoid their bank app now check Lumi every morning.
Here's what changed.
I have a folder on my phone called 'Budgeting Graveyard.' YNAB, Mint, EveryDollar, three others. I used lumi for six weeks straight and I haven't missed a single day. Lumi wilted once when I impulse-bought concert tickets and I genuinely felt bad — in a weirdly good way. Like I care now. That's new.
Maya R.
Junior, University of Michigan
6 week streak · never missed a dayI have ADHD. Every finance app was designed for someone whose brain doesn't catch fire when they see a spreadsheet. lumi doesn't shame me. Lumi just helps me figure out what happened and what I can do differently. The ADHD mode is genuinely the first time a finance tool has felt like it was built for me.
Jordan K.
Marketing Associate
Saved $180 in first month · still goingI thought saving was pointless with rent the way it is. Then Lumi grew new flowers every week I stayed under budget. I've saved $340 in two months. I genuinely don't know how. She just makes me want to try.
Alex M.
Community College, works retail
$340 saved in 2 monthsGrow free. Bloom when you're ready.
No tricks. No hidden fees. No cash advances. Just Lumi.
Lumi Sprout
Free forever
- Bank connection (1 account)
- Full transaction history
- Lumi chat (10 messages/day)
- Basic garden view
- 1 financial education quest/week
Lumi Bloom
or $47.99/year - save 20%
- Unlimited bank accounts
- Full transaction history + AI categorization
- Unlimited Lumi chat
- Full garden with seasonal themes
- Unlimited financial education quests
- Spending insights + budget alerts
- Lumi customization (accessories + colors)
14-day free trial - Cancel anytime
Lumi Flourish
or $71.99/year - save 25%
- Everything in Bloom
- ADHD Mode
- Priority AI (faster Lumi responses)
- Advanced analytics + spending forecasts
- Mock investment portfolio (V2)
- Early access to new features
All plans include bank-level security. We use Plaid for bank connections. We will never sell your data.
Before you ask.
I tried budgeting apps before and quit all of them. What makes this different?
Fair. Most budgeting apps are dashboards that require discipline, attention, and time you don't have. lumi is built around Lumi — a companion who responds to your actual financial behavior, celebrates you when you do well, and never punishes you when you don't. The mechanism is totally different. We're not asking you to change your relationship with budgeting. We're giving you a relationship with Lumi, and the budgeting follows.
I have ADHD. Will this actually work for me?
Yes — in fact, you're exactly who we built this for. Lumi's ADHD Mode (available on Lumi Flourish) removes red numbers, simplifies the dashboard, and introduces impulse-pause features. But even without ADHD Mode, the core product was designed to minimize executive function load: Lumi handles categorization automatically, check-ins are short and conversational, and wins are celebrated loudly. The budgeting apps that failed you were designed for neurotypical brains. This one isn't.
Is my bank information safe?
Yes. We use Plaid — the same bank connection technology used by Venmo, Robinhood, and Coinbase. lumi never stores your bank credentials. We access read-only transaction data. We cannot move, spend, or touch your money in any way. You can disconnect your bank from Lum at any time.
What does the free plan actually include?
Lumi Sprout is genuinely useful. You get one bank account connected, full transaction history, Lumi's chat interface (10 messages/day), your garden, and one financial education quest per week. It's enough to see whether the product works for you before paying anything. We don't give you a crippled demo and call it free — that's not our style.
What happens to Lumi if I cancel?
Your data and transaction history stay in your account for 90 days after cancellation, so you can always reactivate. After 90 days, data is deleted per our privacy policy. As for Lumi — she misses you. But she'll be here when you're ready to come back.
Still have questions? Lumi's pretty good at answering them. Chat with Lumi ->
Your garden is waiting. Lumi is ready.
You've tried the dashboards. You've tried the spreadsheets. You've tried ignoring it. This one is different — and the only way to know is to try it for free.
Free forever · No credit card · Connect your bank in 60 seconds