Lumara Guide
Learn how Lumara turns your financial activity into clarity, decisions, and progress.
Learn how Lumara works
Learn how Lumara turns your financial activity into clarity, decisions, and progress — page by page, in plain language.
Start with the basics, then let Lumara connect the dots.
Six quick steps to feel oriented — do them in order the first time, then jump wherever you need.
Review your Dashboard
See your financial rhythm, goals, alerts, and next best actions in one calm view.
Open DashboardCheck Cash Flow
Understand what is coming in, what is going out, and how much room you have this week.
Open Cash FlowReview Transactions
Confirm categories, spot recurring charges, and surface unusual signals worth a second look.
Open TransactionsSet Budget Guardrails
Use Budget to see spending pressure and protect your monthly plan without rigid limits.
Open BudgetCreate or Review Goals
Track what matters and see how today's decisions move your goals closer.
Open GoalsEvery core page, explained calmly.
What it is for, when to use it, and what to click next.
Dashboard / Overview
Your command center. Shows what changed, what needs attention, and where to go next.
Cash Flow
Upcoming income, bills, safe-to-spend this week, and your projected month-end cushion.
Transactions
Spending activity, income, recurring charges, category signals, and review items.
Budget
Spending guardrails, category pressure, and where you may need to adjust.
Goals
Progress toward real-life goals and how decisions move them closer.
Subscriptions
Recurring charges, review opportunities, and possible savings.
Decision Intelligence
Compare choices before they affect your money and goals.
Reports
A calm summary of the month, what changed, and what to watch next.
Insights
Detected patterns and recommended next pages to act on.
Tax Intelligence
Organizes possible tax-review items for a professional. Informational only.
Accounts
Account connection status, demo mode, and readiness for future secure linking.
AI Coach / Ask Lumara
Explains financial patterns and next steps using page context.
How Ask Lumara Works
Ask Lumara explains what you are seeing on each page. When you ask from Cash Flow, Goals, Subscriptions, Reports, or Decision Intelligence, Lumara uses that page context to give a clearer answer.
Try these prompts
- From Cash Flow“How much is safe to spend this week?”
- From Goals“How can I reach Italy Trip faster without creating cash pressure?”
- From Subscriptions“Which subscriptions should I review first?”
- From Decision Intelligence“Why is transit recommended over driving?”
- From Reports“What should I watch next month?”
Lumara provides informational support only. It is not financial, legal, tax, or investment advice.
Understanding Demo Mode
Some Lumara screens may show sample data so users can preview how the product works before connecting real accounts.
Demo mode
- Demo mode uses sample data only.
- No real bank account is connected in demo mode.
- Ask Lumara responses may reference sample demo data.
- Real account data will be clearly labeled when connected.
Account connection
- Lumara uses Plaid to help connect financial accounts securely.
- Bank login credentials are handled through Plaid's secure connection flow.
- Lumara does not store your bank username or password.
- Lumara receives only the authorized account and transaction information needed to power app features.
- When account management is enabled, you'll be able to disconnect accounts at any time.
Connected mode
- Real account data will be clearly labeled when connected.
- Sync status shows the last update time.
- Lumara never claims a real connection when one is not active.
How Lumara Connects Your Money
Every page feeds the next — from raw activity to a calm explanation.
Safety and disclaimers
Lumara is designed to inform and organize — not to replace a professional.
Lumara is not a bank, credit union, or financial institution, and it is not a financial, tax, or legal advisor. Ask Lumara is informational only and does not provide advice. Please consult a qualified professional for decisions that affect your money, taxes, or legal situation.
Financial
Lumara provides informational estimates and educational support. It does not provide financial advice.
Tax
Tax Intelligence is for organization only. It does not determine deductibility or tax treatment. Consult a qualified tax professional.
Subscriptions
Lumara can help identify subscriptions to review. It does not cancel subscriptions unless a real cancellation feature is implemented.
Accounts
In demo mode, everything you see is sample data. When a real account is connected through Plaid, that data will be clearly labeled and you'll be able to disconnect it when account management is enabled.
AI
Ask Lumara is informational only. It explains what you are seeing and suggests calm next steps to consider, but it does not give financial, tax, or legal advice.
Data & privacy
Lumara uses your authorized account and transaction data to power cash flow, budgets, goals, subscriptions, insights, reports, and Ask Lumara — and only the data needed to provide those features. Data handling follows the Lumara privacy policy.
Legal
Lumara is not a bank, credit union, or financial institution. It is not a financial, tax, or legal advisor. For decisions that matter, consult a qualified professional.
Common questions
Short answers. Tap any question to expand.
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