Lums is an AI-powered budgeting application designed to provide effortless financial management through intelligent automation and predictive insights. The platform helps users build budgets quickly, track spending across multiple accounts, and gain clarity on their financial future with real-time balance predictions.

Key features include automatic transaction categorization that learns from user preferences, smart alerts for important financial events, and multi-currency account management. The app offers fraud and anomaly detection, subscription tracking, and the ability to create custom rules for transaction organization. Users can chat with an AI assistant to explore their finances and get instant answers in plain language.

The platform works by connecting to users' bank accounts through Plaid integration, providing read-only access to financial data. Lums processes all financial information within its own secure Google Cloud environment, ensuring data never goes to external AI services. The AI remembers user preferences for categorization and can automatically classify transactions based on past behavior.

Benefits include saving time through automated categorization, gaining financial clarity through predictive insights, and receiving proactive alerts about spending patterns and upcoming payments. The app helps users identify hidden costs like recurring subscriptions and provides guidance on budget optimization.

Lums targets individuals seeking to improve their financial management through AI assistance. The platform integrates with banking institutions via Plaid and is designed for users who want automated budgeting, transaction tracking, and financial forecasting capabilities.