Lums is an AI-powered budgeting application designed to provide effortless financial management through intelligent automation and predictive capabilities. The platform helps users forecast their balance, auto-categorize transactions, and build personalized budgets quickly.

Key features include real-time balance prediction showing 14-day cash forecasts, smart alerts that provide guidance on budget status and upcoming paychecks, and automatic transaction categorization with memory that learns user preferences. The app offers multi-currency account management, fraud and anomaly detection, subscription tracking, and a unified dashboard displaying balances, cash flow, and spending categories. Users can chat with AI to explore their finances and get instant answers in plain language.

The platform works by connecting to users' financial accounts through Plaid integration, providing read-only access to transaction data. Lums processes financial information securely within its own Google Cloud environment without sending data to external AI services. The AI remembers categorization preferences and can automatically apply rules for transaction organization.

Benefits include saving time through automated categorization, gaining clarity on future finances with predictive insights, and receiving proactive alerts about budget status and unusual spending patterns. Use cases include managing monthly budgets, tracking subscriptions, monitoring cash flow across multiple accounts, and identifying hidden costs through conversational queries.

Lums targets individuals seeking to improve their personal financial management with AI assistance. The mobile app integrates with banking systems via Plaid and emphasizes security with encrypted data storage and isolated processing environments.