Take control of your money with LumaFlow — a personal finance app designed to bring your everyday finances together in one clear, easy-to-understand place.

LumaFlow helps you manage the things that matter most: your spending, bills, budgets, savings goals, debt, and monthly progress. Whether you prefer to enter transactions manually or connect supported bank accounts, LumaFlow gives you a clearer picture of where your money is going and what’s coming next.

KEY FEATURES

• Budget Tracking
Create monthly budgets and see how your spending compares with the limits you set.

• Bills Calendar
Keep upcoming bills organized with scheduled due dates, payment tracking, and a calendar view that helps you stay ahead.

• Monthly Cash Flow
See your expected income and expenses for the month so you can better understand what money is coming in and where it needs to go.

• Transaction Review
Review and categorize transactions while LumaFlow learns from your choices to make future organization easier.

• Savings Goals
Create individual savings goals, track your progress, and keep your larger savings plans visible.

• Debt Tracking & Simulator
Track your debts and explore how additional payments could affect payoff time and interest.

• Spending Trends
Compare spending between months and quickly see where your spending has increased or decreased.

• Forecasting
Get a forward-looking view of your finances based on the information you have entered into LumaFlow.

• Monthly Snapshots
Look back at your monthly progress, including spending, budgets, savings, debt, and other financial highlights.

• Transaction History
Review current and previous months, add past transactions, and keep your financial history organized.

• Optional Bank Sync
Premium users can connect supported checking accounts to bring posted transactions into LumaFlow for review. You remain in control of how transactions are categorized and managed.

BUILT FOR CLARITY

Personal finance can become complicated when bills, budgets, savings, debts, and transactions are scattered across different places. LumaFlow was created to bring those pieces together without making money management feel more complicated than it needs to be.

Instead of focusing only on what you spent, LumaFlow helps you understand the bigger picture — what you have planned, what has already happened, what still needs attention, and how your financial habits are changing over time.

YOUR MONEY. YOUR CHOICES.

LumaFlow is designed to help you organize and understand your finances. It does not make financial decisions for you. You choose your budgets, goals, categories, and priorities.

Whether you're building your first budget, trying to stay ahead of bills, saving toward something important, paying down debt, or simply wanting a clearer view of your money, LumaFlow gives you one place to keep it all moving forward.

LumaFlow — bringing clarity and control to everyday finances.