LUMARA

Financial clarity. Powered by intelligence.

Stop wondering where your money went.
Start knowing what to do next.

Lumara turns your spending, habits, goals, and subscriptions into calm AI insights — so you can save smarter, move faster, and make better financial decisions every week.

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Momentum
78/100
Net Worth
$184K
Goal Velocity
+12%

Unused subscriptions found

3 services you haven't used in 60+ days.

$564 / year

Dining increased 18%

Cut takeout by $120 → Italy 23 days sooner.

+23 days

Thursday spends 34% above avg

Try a lower-cost ritual this week.

Pattern
Climate
Calm
Italy Goal72%
Emergency Fund88%
Vacation45%

Why Lumara Exists

Most apps show what happened.
Lumara shows what it means.

We connect your spending, habits, goals, and decisions into one clear picture—so you can move forward with confidence.

Traditional Finance Apps

They show data.

  • Transactions
    What you spent
  • Budgets
    What you planned
  • Charts
    What happened
  • Reports
    Where you've been
VS

Lumara

We show what it means.

  • Behavioral Intelligence
    Why you spend the way you do
  • Pattern Detection
    What's influencing your habits
  • Financial Momentum
    Whether you're moving forward
  • Life Impact Intelligence
    How today's choices affect tomorrow's goals

AI Insight

You're ahead of your goals.

Keep focusing on your high-impact habits to build lasting momentum.

+30days
ahead of your goal
Strong momentum·Keep going.

Free to start. Cancel anytime.

Real AI Impact

Insights that turn into real decisions.

Subscription Intelligence

3 unused subscriptions detected

Potential savings: $564/year

Review Savings
Goal Velocity

Italy goal can arrive 23 days sooner

Small habit shifts, big momentum gains.

View Goal Path
Spending Pattern

Thursday dining runs 34% higher than average

A repeating behavior worth knowing.

See Pattern
Decision Intelligence

Commuting by train could save $142/month

Compare real options against your goals.

Compare Options

Lumara Intelligence

Clarity today.
Freedom tomorrow.

Lumara connects your spending, habits, goals, and decisions into clear next steps — so you understand what changed, why it matters, and what to do next.

See how it works
1

Activity

Dining spend increased.

  • Transactions
  • Subscriptions
  • Goals
  • Cashflow
2

Patterns

Thursday dining runs 34% above average.

MTWTFSS
3

Meaning

Your Italy goal may slow by 23 days.

Impact
−23
days
4

Action

Reduce takeout by $120 this month.

Recommended
5

Progress

Italy goal moves 23 days closer.

+23
days

Powered by five intelligence systems

Lumara Circles

Progress is easier together.

Shared goals. Trusted accountability. Financial progress together.

Vacation Circle

Your Circle is 72% toward the Italy goal.

Shared savings improved 14% this month.

AMJRSKLP
4 members · accountable together

Circle Activity

  • Sara hit a $500 milestone.
  • James added $120 to Italy.
  • Circle reached 72% together.

AI suggestion for your Circle

If each member contributes $40 this week, your goal arrives 19 days sooner.

Trust & Security

Your trust is earned.
Your data is protected.

Lumara uses secure account connections, privacy-first design, and industry-standard protections to help keep your financial data private, organized, and in your control.

  • We don't sell your data.
  • We don't move your money.
  • You're always in control.

Coming soon

Secure account connections

Plaid integration planned. Demo data shown for preview purposes.

Encryption

Industry-standard encryption planned for data in transit and at rest.

Privacy by Design

We will collect only what's needed. You decide what's shared.

Simple pricing. Powerful clarity.

Three plans. Same pricing everywhere. No surprises.

Starter
Free

Your first taste of financial clarity.

  • Connect up to 2 accounts
  • Momentum Score
  • Daily Clarity insights
  • Goal tracking (1 active goal)
Most Loved
Premium
$7.99/month

Full Lumara intelligence for one person.

  • Unlimited accounts
  • Full Lumara Intelligence suite
  • Pattern Detection & Financial Climate
  • Unlimited goals & Goal Velocity
  • Lumara AI Coach
Circles
$14.99/month

Shared intelligence for households and trusted circles.

  • Everything in Premium
  • Up to 5 members per circle
  • Shared goals & momentum
  • Private personal data, shared outcomes
  • Priority support

See full plan details on the pricing page.

Understand your money. Live your life.

Build clarity today and create the freedom you want tomorrow.

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