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.
- Accounts: unified balances across banks, cards, wallets and crypto.
- Cash flow: income, spend and forecasts in one calm view.
- Net worth: assets, liabilities and trajectory over time.
- Goals: emergency fund, debt-free date, investing milestones.
- Tax: ready-to-export packs for accountants and authorities.
- Cash-flow anomalies, subscription creep, FX drift.
- Refunds owed, duplicate charges, failed payments.
- Tax-relevant moves, deductible expenses, bracket changes.
- Investment drift vs. target allocation.
- Rolling 90-day projection of every account.
- Models recurring income, subscriptions and seasonality.
- Flags low-balance dates before they arrive.
- Updates the moment a transaction lands.
- Your data is yours. We never sell it. Ever.
- End-to-end encryption in transit and at rest.
- Export everything or delete everything, any time.
- AI runs against your data without leaking it to train ours.
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.
Get on the Lumoni waitlist in one click.
Drop your email. No questions, no upsell. Full form is on the beta page if you want to tell us more.
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.
- TLS 1.3 for every connection.
- AES-256 encryption at rest on all storage tiers.
- MFA (TOTP and passkey) required on every account.
- Hardware-backed key management on AWS KMS.
Privacy by design
We never sell your data. Ever. Built with GDPR principles from day one.
- We never sell, rent or trade your data. Ever.
- GDPR, NZ Privacy Act and Australian Privacy Principles aligned.
- Data minimisation: we only store what powers your view.
- AI runs on your data, not the other way around.
Read-only by default
Account connections are read-only, Lumoni cannot move your money.
- All bank, card and brokerage links are read-only.
- Lumoni cannot initiate transfers, payments or trades.
- Even a stolen session cannot move a single dollar.
- Optional write access is opt-in, per connection.
You stay in control
Delete your account, export your data, or pause any sync, any time.
- One-click export of everything as CSV and JSON.
- Pause or revoke any account connection instantly.
- Hard delete in under 30 days, with audit confirmation.
- Granular sharing controls for accountants and partners.
Early, honest feedback from our first testers.
"Still rough in places, and the export pack isn't ready yet, but the underlying concept could shoot past everything I've seen on this side of the industry. If they ship even half of the roadmap, it changes how I onboard small clients."
Quotes are paraphrased composites from our private alpha cohort. Names abbreviated for privacy. This is alpha software, things are still rough on purpose.
Questions, answered.
The last alpha seats are opening. Apply before they're gone.
We're inviting a small final wave into the Lumoni alpha. Once those seats are filled, the next door is the public beta, on our timeline, not yours. If you want hands-on access now, get your name in.
Free during alpha. Limited seats. We review applications in the order we receive them.