AI-powered financial intelligence for modern life.
Budgeting, forecasting, net worth, goals, subscriptions, tax-ready exports and financial clarity, all in one intelligent app. Lumoni turns scattered numbers into decisions you can act on.
Far more than a budgeting app.
Lumoni unifies budgeting, forecasting, net worth, subscriptions and tax-ready reporting under one intelligent surface. Tap or hover any tile to see what is inside.
Spending clarity
Every transaction auto-categorized, deduplicated and explained.
- Multi-account view
- Custom rules
- Family / household splits
- Receipt capture
AI insights
Weekly summaries, anomaly alerts and personalised recommendations.
- Plain-language briefings
- Trend & drift detection
- Goal-aware suggestions
- Private by default
Cash-flow forecasting
30, 60, 90-day projections so you know what is safe to spend.
- Recurring vs one-off split
- Income volatility model
- What-if scenarios
- Calendar view
Net worth tracking
Cash, investments, property and liabilities in one live dashboard.
- Real-estate valuations
- Multi-currency
- Historical trend
- Snapshot export
Goals & budgets
Goals that adapt to reality, budgets that flex with your month.
- Auto-rebalancing
- Joint goals
- Milestone alerts
- Streaks
Subscription radar
Find duplicate, unused or rising subscriptions before they drain you.
- Price-hike alerts
- Free-trial expiry
- Cancellation links
- Annualised cost
Tax-ready exports (V1)
Automated tax return prep with country-aware export formats.
- IFRS, US-GAAP, AUS-NZ
- VAT, sales tax, GST
- Automated return draft
- Accountant-ready PDF + CSV
Pro & B2B access
Invite accountants, bankers, brokers and financial planners.
- Client management
- Per-account permissions
- Audit log
- White-label client portal
One calm surface for everything that matters about your money.
Personal finance shouldn't feel like 14 tabs, 3 spreadsheets and a vague hope. Lumoni unifies the data you already have, applies an AI layer designed for finance, and gives you a single, calm view of where you are, and where you're heading.
We're building a financial operating system that grows with you: from your first budget to your first investment, from your first freelance invoice to your first tax season.
Your financial copilot, working quietly in the background.
Lumoni's intelligence layer is designed from day one, not bolted on. It listens to your real spending, privately, and helps you decide faster.
Automatic categorization
Transactions sorted continuously, learning from every correction.
- Merchant fingerprints
- Per-user rules
- Multi-language
- 97%+ accuracy at V1
Anomaly detection
Unusual charges, duplicate subs and odd merchant patterns flagged early.
- Duplicate billing
- Lifestyle creep alerts
- Travel mode
- Card-skimming watch
Pattern detection
Slow trends that traditional budgeting apps miss.
- Year-over-year drift
- Seasonal shifts
- Category creep
- Income lull warnings
Forecast warnings
If recurring charges or income shifts threaten cash flow, you know early.
- 90-day horizon
- What-if planning
- Calendar-driven
- Tax reserve aware
Weekly AI summaries
A clear, plain-language briefing every week, no dashboards to decode.
- 3 minute read
- Read on web or email
- Optional voice brief
- Goal snapshots
Personalised insights
Suggestions calibrated to your goals, income style and stage of life.
- Couple-aware
- Self-employed mode
- Investor mode
- Family mode
Designed to go beyond simple expense tracking.
Built around forecasting, tax-ready reporting and intelligence, not just categorization. Here is how Lumoni compares to the tools most people use today.
| Capability | Lumoni | Spreadsheets | Classic budgeting apps | Bank apps |
|---|---|---|---|---|
| AI-native categorization | Built-in | Manual | Partial | Limited |
| Cash-flow forecasting | 90 days | Formulas | Rare | None |
| Net worth across assets | Unified | Manual | Add-on | Single bank |
| Subscription detection | Automatic | Manual | Partial | None |
| Tax-ready exports (V1) | IFRS / GAAP / EU / US / AUS-NZ | DIY | Rare | None |
| Automated tax return prep | Drafted for you | None | None | None |
| Pro access (accountant, broker, planner) | Invites & permissions | Share file | None | None |
| Self-employed / freelance | Designed for it | Possible | Limited | None |
| Privacy-first | Yes | Yes | Varies | Bank-owned |
Comparisons reflect Lumoni's V1 capabilities and the typical state of each category. Capabilities of individual products vary.
A clear path from alpha to a full financial OS.
We build in the open. Here is where Lumoni is today and where it is heading.
Final alpha & first access
The core engine and the first AI insights. Last alpha seats are being granted now, and public alpha access opens no later than 1 July.
- Account linking
- Budgets v1
- AI categorization
- Net worth basics
Intelligence layer + B2B beta
Forecasting, anomaly detection, weekly summaries, subscription radar and goals go live. B2B beta opens for invited accountants, planners and brokers.
- Cash-flow forecasting
- Weekly AI briefings
- Subscription radar
- B2B beta (invite-only)
Full financial OS + tax exports
Household finance, investments, asset tracking and the full tax-ready export suite ship together. Tax exports cover IFRS, US-GAAP, EU, US and AUS-NZ standards.
- Investments & assets
- Household / shared budgets
- Tax-ready exports
- Automated tax return draft
Accountant & B2B general access
Public access for accountants, bankers, insurance brokers and financial planners. Full client management and per-account permissions.
- Client management portal
- Per-account permissions
- Audit log + signed exports
- White-label option
Try a taste of the Lumoni intelligence layer.
Guides & ideas for clearer money decisions.
Built on the principles a financial app deserves.
Bank-grade encryption
TLS in transit, AES at rest, MFA required for every account.
Privacy by design
We never sell your data. Ever. Built with GDPR principles from day one.
Read-only by default
Account connections are read-only, Lumoni cannot move your money.
You stay in control
Delete your account, export your data, or pause any sync, any time.
Real feedback from our earliest users.
"Lumoni is the first finance app that didn't make me feel guilty. It just told me what was actually happening."
"The forecast view changed how I think about the next 30 days. I finally know what's safe to spend."
"It found three subscriptions I'd completely forgotten about in the first 10 minutes."
Quotes are illustrative composites from our private alpha cohort.
Questions, answered.
Ready for a calmer financial life?
Join the Lumoni beta and be among the first to use AI-native financial intelligence.