Works fully offline
Log a coffee on the subway with no signal. Lumen is an installable PWA that queues your entries locally and syncs the moment you're back online.
All your money, in one calm place.
- Works offline
- AI bank import
- Your data stays yours
Everything you need
Built for how you actually manage money
No bank linking, no clutter. Just the tools that make tracking effortless enough to stick with.
AI bank import
Snap a screenshot of your bank statement and Lumen reads it, suggests a category for each expense, and waits for your approval before anything is saved.
Every account in one view
Checking, savings, credit cards, and cash — color-coded with live balances and a single, honest net-worth number.
Insightful dashboard
Income vs. expense, category breakdowns, budget tracking, and spending trends over any timeframe — today, this month, or a custom range.
Smart categories
Build custom income and expense categories with colors and per-category budgets so every transaction lands in the right bucket.
Wishlist & goals
Plan future purchases against target amounts and watch them move from someday to done as you save.
AI import
From screenshot to categorized — with your approval
Upload a screenshot of your bank statement. Lumen extracts each expense, suggests a category, and saves nothing until you approve it.
statement-may.png
-$32.80
-$4.50
-$2.90
Review & approve
Reading screenshot…
- Scan your statement screenshot
- Lumen extracts each expense and suggests a category
- You approve — nothing saves without you
You review and approve every transaction before it's saved.
How it works
Up and running in three steps
1
Create your free account
Sign up with an email, confirm it, and you're in. No bank linking, no credit card, no setup wizard to slog through.
2
Add accounts & import
Add your accounts and let AI import pull in transactions, or log them by hand — online or off.
3
See where your money goes
Your dashboard updates instantly with categories, trends, and net worth so you always know where you stand.
Privacy
Private by design
Self-contained accounts, data scoped to you alone, and no third-party trackers. Your finances stay yours.
No bank credentials — Lumen never asks for them
No third-party advertising or analytics trackers
Every record is scoped to your account alone
Entries save on your device first, even offline
FAQ
Questions, answered
Yes. Lumen is a Progressive Web App you can install on your phone. Any transaction you create offline is saved locally on your device and automatically synced once you have a connection again.
Start understanding your money today
Free to start, works offline, and takes less than a minute to set up. Your future self will thank you.