Lums hit #11 organically on Product Hunt yesterday! A massive thank you to everyone who supported us by upvoting, commenting, and downloading the app.
The launch conversations highlighted one thing we ve felt since day one: most budgeting apps ask for way too much effort before giving you any value.
Usually, you download an app and spend the next hour fixing categories, adjusting settings, and correcting transactions. By the time you're "set up," you've already lost the motivation that made you download it in the first place.
@yulia_kuznetsova3 put it perfectly! She said she added her accounts to Lums and it just showed her where her money was going. No fixing things first. Just clarity.
@selina4 shared something similar. After months of bills piling up and small charges slipping by, having everything side-by-side finally made things click.
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 💪
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!
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
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.
Lums is built with privacy and data protection which really matters for a money app. How does the AI chat handle that side of things? Is the data processed on the device or does it get sent out for analysis? Getting clarity on this would help build more trust in the app.
Lums
@aiden_pearce7 Really appreciate this question, Aiden and you're absolutely right that transparency on this builds trust!
To be straightforward with you: the AI processing happens in the cloud, not on-device.
Here's why we made that choice: the kind of analysis Lums does (detecting recurring charge patterns, forecasting your future balances, running multiple insight engines in parallel) requires serious compute power.
Doing that on your phone would either take forever or mean we'd have to drastically simplify the features.
That said, we take security very seriously on the infrastructure side.
Your data is encrypted both in transit and at rest, every user's data is strictly isolated so no one can access anyone else's information, and we don't sell or share your data with third parties.
Looking ahead, as on-device AI keeps improving, we're definitely open to exploring hybrid approaches, like handling simple queries locally and only sending complex analysis to the cloud.
It's something we want to evolve based on what matters most to our users.
Always happy to answer more questions on this! Privacy isn't a feature we bolt on, it's baked into how we build.