Your money,
looked after.
Lumen keeps an eye on your spending, spots problems early, and tells you what to do next, all in plain language. No spreadsheets, no finance degree.
What is Lumen?
A simple app that watches your money for you. It reads your transactions, tells you where you stand, and flags problems before they cost you, all in plain language.
Always watching
It checks your money in the background and reaches out when something needs your attention, not just when you open the app.
Explains itself
Every alert comes with the reason behind it, in plain words you can actually act on.
On every device
Use it on your laptop or your phone. Your numbers stay in sync wherever you are.
What it does for you
Everything you need to stay on top of your money, nothing you have to think about.
Your money, at a glance
In seconds, Lumen checks how your money is doing, finds the weak spots, and gives you three clear things to do next. Like a finance expert on call, without the jargon.
Sorts your spending for you
Stop tagging transactions by hand. Lumen learns how you spend and files each purchase automatically, and it gets sharper every time you make a correction.
A heads-up before trouble
See a tight month coming before it hits. Lumen looks 30, 60, and 90 days ahead and warns you about cash running low, unusual spending, or a budget about to go over.
Clear reports
Simple charts of where your money goes, with budgets you can track and reports you can download any time.
Use it anywhere
Check in from your laptop or your phone. It is the same Lumen, always in sync.
In your language
Works fully in English and Japanese, so the advice always reads naturally.
Built to be trusted
Your money is sensitive, so the basics are not optional here.
Ready to see where your money goes?
Get started free in a couple of minutes. No spreadsheets, and nothing to set up.