Money that makes sense
One simple dashboard to see balances, control spending, and hit your goals.
Connect instantly · Bank-level security · No surprises
How it works
Connect, see, and act — three simple steps to smarter money.
1. Connect your accounts
Securely link your bank accounts, cards, and wallets in minutes — read-only access, bank-grade encryption.
2.Track your money
Real-time spending and income charts with auto-categorized transactions so you always know where your cash goes.
3. Set goals & stay on track
Create savings targets, set monthly limits, and receive automated alerts that help you stick to the plan.
See your money clearly — act with confidence.
Luma turns noisy transactions into clear visuals and action items: balances, cashflow, budgets, and goal progress — all in a single, easy-to-scan view.
Designed for clarity, built for better money decisions
Smart dashboard
All your accounts, balances and goals in one glance.
Cashflow overview
Daily income vs spending trends so you can plan ahead.
Spending breakdown
Category-level insights and an interactive donut chart.
Savings goals
Create funds, invite collaborators, and watch progress update in real time.
Weekly reports
Digestible email snapshots with highlights and trends.
Secure & private
Data encrypted end-to-end — we never sell your info.
Replace complexity with clarity
Many tools make things more confusing — Luma gives just what you need: visibility, nudges, and simplicity.
Typical apps
- Complicated dashboards
- Hidden charges
- One-off reports
- Manual tagging
- Designed for experts
Luma
- Simple, focused overview
- Transparent pricing
- Continuous, actionable insights
- Automatic categorization
- Designed for everyday people
Stories from people who switched
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“Luma made budgeting painless. I actually hit my emergency fund faster than I expected.”
Priya S.
Freelance Developer
“Easy to share summaries with my accountant. Saves me hours every single month.”
Rohit M.
Small Business Owner
“The weekly tips nudged me to cancel unused subscriptions — small wins added up.”
Sana A.
Teacher
“Finally, a finance tool that feels built for humans. Everything is clear and visual.”
Amit K.
Designer
“The auto-categorization is a lifesaver. I spend less time managing money and more time earning it.”
Nisha P.
Freelancer
“From cashflow to goals, everything is just a glance away. It replaced three tools for me.”
Arjun T.
Startup Founder
Plans that scale with you
Start for free — upgrade only if you need extra power.
Starter
3 linked accounts, dashboard, 1 goal, weekly email.
Plus
Unlimited accounts, unlimited goals, CSV export, priority sync.
Teams
Shared accounts, multi-user roles, team goals, priority support.
Prices in USD. Annual billing discounts available.
Ready to get clear?
Join thousands who’ve simplified their finances. Start free — no credit card required.