Smart budgets
Lumen sorts every transaction automatically and builds a budget from how you actually spend.
Lumen brings every account, card and bill into one luminous view. See what you can spend today, where it went yesterday, and how close you are to the things you want.
Everything in one place
Lumen sorts every transaction automatically and builds a budget from how you actually spend.
Round-ups and rules that fill goals while you sleep.
Spots forgotten trials and price rises before they bill.
Every due date on one glanceable month.
Hold, swap and spend abroad at the real rate.
A two-minute recap every Sunday: what changed, what to watch, and one small win.
Budgets that breathe
Each category glows as it fills. Go over in one and Lumen quietly suggests where to borrow from, so the month still balances.
Explore budgetsThe Lumen card
Lumen only ever has read access to your banks. Your money stays protected by your bank, and your data is encrypted end to end.
Loved by savers
★★★★★
“I finally know where my money goes every month. The budget view is so calm I actually open it daily.”
★★★★★
“Lumen found three subscriptions I had forgotten about. It paid for itself in the first week.”
★★★★★
“We share one Family plan for joint bills and keep our own spaces for everything else. Zero arguments since.”
Pricing
€0
forever
€4.99
per month
€8.99
per month, up to 5
Open a free account in four minutes. No credit check, no paperwork, cancel any time.