Lums

Lums lets you ask questions about your own money in plain chat. It is an AI budgeting app that categorizes transactions automatically, forecasts your cash balance 14 days ahead, and answers questions through a 'Chat with your money' interface.

You can build a budget in minutes and manage multi-currency accounts in one spot.

Smart alerts watch for fraud, bill increases and hidden subscription costs, which is where a budgeting tool earns its keep if you tend to lose track of recurring charges.

The 14-day forecast is a short window, so it suits near-term cash planning more than long-range projections.

Security is spelled out clearly.

Lums connects to your bank through Plaid with read-only access, and it processes your data inside a secure Google Cloud environment without sharing it with external AI services.

That matters for a finance chatbot, since you are handing it real account activity.

Lums fits personal money management and small-scale cash tracking, and it sits in the AI assistant and AI for finance space.