Lums – AI-powered budgeting and multi-currency money management

Summary: Lums is an AI-driven app that builds budgets quickly, manages multi-currency accounts, and auto-categorizes transactions for clear financial insights. It offers chat-based queries, cash flow projections, and visual spending breakdowns to help users understand and control their finances.

What it does

Lums unifies checking, credit cards, and cash accounts into one app, allowing users to chat with their money using plain language questions. It auto-categorizes spending, detects internal transfers, and provides 14-day cash flow projections with AI-generated charts.

Who it's for

It is designed for individuals seeking a comprehensive, AI-assisted budgeting tool that consolidates multiple accounts and simplifies financial tracking.

Why it matters

Lums addresses the challenge of fragmented financial data and hidden recurring charges by delivering clear, actionable insights through conversational AI and automated organization.