Lums - Chat with your money and let Lums build your budget.
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Save time and money with intuitive AI money management. Build your budget in 2 minutes, manage multi-currency accounts, and let Lums auto-categorize every transaction for total financial clarity. What recurring charges do I have?” to find hidden costs.
Replies
Lums
Hey Product Hunt community! 👋
I’m Marion, and I’m so excited to finally share Lums with you!
We built Lums because we were tired of "passive" financial apps that leave you feeling overwhelmed. Whether it’s checking, credit cards, or cash, Lums unifies everything into one clear view with an intuitive app that has everything you need.
Why Lums is different:
Chat with your money 💬 : Ask questions in plain language like: “What recurring charges do I have? I think I'm paying for things I forgot about.” and get instant answers.
14-Day Cash Projection 📅 : Stop wondering if you'll hit zero. Lums projects your balance so you can plan ahead with confidence.
AI-Powered Insights & Charts 📊 : My brain needs visuals. Lums provides impactful charts and breakdowns to help you truly master your spending.
Effortless Organization 🪄 : It automatically categorizes spending and detects internal transfers so your data is always clean.
Privacy-First 🔒 : Your data is protected. You can review our full privacy policies on our website we built this for your peace of mind.
Our Goal Today: We’d love your honest feedback! Is the AI chat helpful? Is the design intuitive? Most importantly, does our messaging clearly explain the value? My team and I are here all day to chat! 📝
🎁 Launch Gift: We’re offering 2 months for FREE, no credit card required, so you can test everything and help us shape the future of Lums!
Can’t wait to hear your thoughts! 💪
If I ask something simple like “what subscriptions am I still paying for,” does Lums pull that straight from my transactions or do I need to tag things first?
Trying to understand how much setup is needed before the answers actually become useful.
Lums
@johan_nystrom Really appreciate the question Johan! It's exactly the kind of thing we want to nail 🎯
No tagging or manual setup needed: just connect your accounts and ask away! 🙌
Lums automatically detects your subscriptions by analyzing recurring patterns in your transactions and gives you a clear breakdown of what you're paying for, how much, and how often.
The more history it has (and optional categorization helps too), the sharper the results get, but it works right out of the box from day one 🚀
@marionkesteloot A question for you: Does it track spending across currencies in one view or keep them separate? And when using the chat can it answer questions that mix accounts and currencies together or does it stay account by account?
Lums
@klara_holmgren
Both are fully supported:
🌍 Multi-currency: On the dashboard, you select the currency you want and all your transactions are aggregated into one single view : no need to jump between separate accounts or currency tabs.
🔎 Advanced filters: If you want to drill down, you can also filter to see only transactions for a specific account or a specific currency.
🤖 AI chat: The agent has a global view of your entire financial picture and handles multi-currency seamlessly. So you can ask questions mixing accounts and currencies freely and get a unified answer.
Big picture or detailed breakdown, it's all there 💪
Lums
Hey Product Hunt, Luisa here, one of the makers behind Lums.
I’m truly excited to finally share Lums with the community today. A lot of thought and care has gone into building something that helps people better understand and manage their money, and it’s great to see it out in the world.
Thank you for taking the time to explore it. I’m looking forward to hearing your feedback and answering any questions.
When the app auto-categorizes transactions, how much control you have to fix or teach it over time?
For example, if something keeps getting labeled wrong, can you easily correct it so it learns your habits going forward?
Lums
@elin_sjoberg Hello Elin! 🙌 It's something we put a lot of thought into.
You have full control and yes, Lums actually learns from your corrections:
🔧 Fix it once: You can recategorize any transaction instantly. If it's a one-off mistake, done.
📌 Set a rule: If something keeps getting labeled wrong (say Venmo always shows as "Transfer" but you use it to split dinner bills) or if it's a specific type of transaction you wanna always manually categorize in a dedicated category you can create a rule. Fix it once and it auto-applies to all future matching transactions.
🧠 It remembers: On top of rules, Lums uses secured, long-term memory to store your preferences. So the more you correct, the more you talk with it, the smarter it gets about your specific habits. No retraining, no waiting, changes take effect right away.
Think of it as three layers working together: instant edits, persistent rules, and AI that learns your preferences over time. The result is an app that progressively gets better the more you use it 🚀
I'd be happy to have you try Lums and hear your feedback!
Lums
Hey Product Hunt! 👋
Anthony here, Co-founder of Lums.
We built Lums because we were tired of managing my budgeting app instead of it managing my money. Between accounts in Canada and France, nothing worked ... so we built something that does.
Just ask "Where did my money go this month?" and Lums gives you a real answer with charts and insights. No manual work, no dashboards to decode.
We're launching in the USA first and would love your honest feedback.
Marion, Luisa and I are here all day : ask us anything! 🚀
Congrats on the launch! Framing personal finance as an interactive conversation rather than a static dashboard is a nice shift. How does Lums balance giving proactive insights and projections without overwhelming users or creating anxiety, especially around short-term cash forecasts?
Lums
If I ask Lums about recurring charges, does it explain what they are or just show a list? How much context it gives.
Lums
@why_tahir Great question, Muhammad! It goes way beyond just a list.
When you ask Lums about your recurring charges, it gives you the full picture, not just "here's what you're paying," but why it matters. So for example, it'll show you each subscription with the amount and frequency, but it'lll also flag things like price increases you might have missed, duplicate charges, and how all of it fits into your budget.
It even picks up on things over time. Say you mentioned wanting to cut back on spending: Lums remembers that and will proactively point out where you could save. Or if you canceled something but charges keep showing up, it'll catch that too.
Think of it less like a spreadsheet and more like a friend who actually reads your bank statements and tells you what's worth paying attention to.
Tracking money gets messy when it is split across cards, cash and different currencies. What helped in Lums is having everything in one place instead of jumping between diff apps. Transactions get organized automatically, recurring payments are easier to keep track of and the charts make it simpler to see where the money is going.
A lil question for you: How this handles transfers between accounts in different currencies does it recognize those automatically or do they need some setup?
Lums
@mattias_blomqvist Great question, multi-currency transfers are indeed a challenge.
Lums automatically detects transfers as long as the amounts match when applying the exchange rate of the transaction day. In practice, this doesn’t always happen since banks often apply fees or slightly different FX rates.
When amounts don’t match exactly, Lums still flags transactions that are likely to be internal transfers using a similarity threshold (timing, amount proximity, and account relationship). In those cases, we suggest the transfer to the user, who can confirm it by selecting the corresponding transaction.
This is an area we’re actively improving.
I didn’t realize how much small stuff was adding up until I could see everything in one place. Things like coffee and subscriptions were easy to miss day to day, but having a clear view of what’s coming in and going out helped me stay on top of it and avoid that end-of-month stress.
@marionkesteloot Congrats on the launch!
Lums
@anders_dahl2
Thank you! Our goal was to replace that end-of-month dread with total clarity. It’s awesome to hear that having everything in one place is already making a difference for you!