Clarity
See what actually matters.
We surface the three decisions in your week that move your life — and quiet the rest.
What does your money mean for your life?
Most apps tell you what happened. Lumara tells you what it means — translating every transaction, habit, and trend into clarity, momentum, and freedom.
$184
avg monthly savings surfaced
34%
more saved within a Circle
11 days
faster to goal, on average
Philosophy
Traditional finance answers "what happened?"
Lumara answers "what does this mean?"
Numbers without meaning are noise. Lumara is a behavioral layer over your financial life — translating data into insight, insight into action, and action into freedom.
Momentum
Build the habit, not the budget.
Lumara learns when you're strongest and reinforces the patterns that compound.
Freedom
Money in service of your life.
Every goal is tied to time — not just dollars — so progress feels like life, not math.
Lumara Intelligence
A calm system
that thinks with you.
Three surfaces, working quietly in the background. Each one shows information, translates it into insight, and offers a single next action.
Financial Climate
Stablelast 14 days
"Your spending rhythm has settled. You're moving with the season."
Daily Clarity
Reducing weekend dining by $40/week could move your Italy goal 11 days closer.
"One small Saturday choice, repeated, is a different summer."
Goal Velocity
Italy trip+24 days sooner
76% · $3,800 of $5,000 · arriving April 22
Start
Q1
Q2
Today
Goal
"You're not behind. You're ahead of the version of you from January."
The Product
One quiet surface
for every financial decision.
Accounts, goals, habits, and behavioral signal — consolidated into a single calm dashboard. Designed in the spirit of Arc, Linear, and Vision Pro.
LUMARA
Good morning, Alex.
Your week is building quietly. Three things to notice.
Momentum
78/ 100
+8 vs. last week. Consistency is up.
Today's focus
Stay under $60 on variable spend.
$39 of $60 used
Momentum
78/100
Net Worth
$15.5k
Budget
62%
Savings
24%
Behavioral Insight
Your dining spend correlates with Thursdays.
Thursday evenings run 34% above your average. A simple ritual change could redirect $62/week toward your Italy goal.
Cashflow
Italy · 76%
$3,800/ $5,000
Trust & Security
Your trust is earned.
Your data is protected.
Lumara is built with bank-level security to keep your financial data safe, private, and always in your control.
- We don't sell your data.Ever.
- We don't move your money.Ever.
- You're always in control.Always.
Your data is encrypted
Read-only access
You control what's shared
Bank-level security
Security you can count on
We partner with industry leaders and use best-in-class security practices.
Powered by
Plaid
We use Plaid, the industry-leading financial data network, to securely connect to 12,000+ financial institutions.
- Secure connections
- Trusted by millions
- Never store your credentials
Encryption
Your data is encrypted in transit and at rest using AES-256 bank-level encryption.
- 256-bit AES encryption
- TLS 1.2+ in transit
- Continuous monitoring
Privacy by design
We collect only what's needed to provide insights — and nothing more. Your data stays private and never shared.
- No data selling, ever
- No third-party sharing
- Delete your data anytime
How your data is protected
You connect your accounts securely with Plaid.
Data is encrypted and transmitted securely.
We analyze your data in a secure, isolated environment.
You receive personalized insights — never raw account details.
You stay in control. Always.
Trusted by thousands.
Backed by the best.
SOC 2 Type II Compliant
HIPAA Aware Practices
Regular Security Audits
Infrastructure Hosted in the U.S.
Pricing
Start free. Grow with Alpha.
Calm, honest pricing. No surprises. Cancel anytime.
Starter
$0/month
Get clarity on your money. Forever free.
- Accounts & transactions
- Momentum score
- 3 goals
- Basic insights
Alpha
Recommended$7.99/month
Full behavioral intelligence. Unlimited goals.
- Everything in Starter
- Lumara Intelligence (AI Coach)
- Unlimited goals & habits
- Circles — up to 5 members
- Behavioral insights & nudges
- Priority support
Circle
$16/month
Shared accountability with up to 5 members.
- Everything in Alpha
- Up to 5 circle members
- Shared goals & budgets
- Family insights
- Circle activity feed
A calmer relationship
with your money.
Clarity. Momentum. Freedom. Begin in two minutes.