Personal financial advisor

Finally understand
your money.

Lumio analyzes your cash flow and delivers a personalized financial plan — budgeting, investing, debt, and a clear path to every goal.

Get your free plan

Free to start · Bank-level encryption · Read-only access

How it
works.
i.
Tell us about you

Your name, age, and where you are in life. Lumio gets to know you before it touches your numbers.

ii.
Set your goals

A home, a business, early retirement. Lumio works backward from where you want to go.

iii.
Share your situation

Savings and debt. Two minutes of honest context that completely changes your plan.

iv.
Connect your bank

Secure, read-only access. Lumio sees your real spending and builds around the truth.

What you get

Everything, in one place.

Your financial planA health score, personal summary, and six detailed sections written for your situation.
Net worth dashboardWatch your wealth grow over time. Glanceable, but with the depth to go further.
Budget analysisReal spending from your bank — not estimates. Honest, automatic, and specific.
Investment roadmapA step-by-step plan built around your age, income, and risk tolerance.
Debt strategyThe exact payoff order, amounts, and timeline. Know precisely when you're free.
Goal trackingSet milestones, see monthly targets, watch progress toward everything that matters.
Ask anythingFollow-up questions answered based on your specific situation — not generic advice.
Plans we
offer.
Free$0

Get started with a single personalised financial plan. See what Lumio can do for you.

One financial planBasic budget viewGoal settingManual entry only
Get started free
Premium$12 / mo

Your personal CFO. Lumio watches your finances every week, checks in on your progress, and updates your plan as your life changes.

Unlimited plan updatesFull dashboardBank connection via PlaidAll six plan tabsUnlimited chatWeekly check-in emailsMonthly plan refreshNet worth tracking
Start free trial

Your money,
understood.

Join thousands of people who finally have a clear, honest picture of their finances — and a real plan to improve them.

Get your free plan