Lumen
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Budgeting without the dread

See your money clearly.

Lumen brings your accounts into one calm view: what's coming in, what's going out and what's safe to spend. Checking your balance stops feeling like a gamble.

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£420

left this month

Rent paid

£750 · 1 Sep

Holiday fund 68%

£680 of £1,000

  • Read-only bank connections
  • 256-bit encryption
  • FCA-registered partner
How we keep you safe

What Lumen does

Less maths. More calm.

Three things that make money feel manageable, whether you're on your first salary or juggling invoices.

  • Spending insights

    Every payment is sorted into categories you'll recognise, so you can see where the money actually goes.

  • Goals

    Pick a target and a date. Lumen works out what to set aside each payday and keeps track for you.

  • Shared budgets

    Split rent and bills with a partner or flatmates. Everyone sees the same numbers, so there's nothing to argue about.

Live preview · sample data

Try it before you download

Switch between three sample people and see how Lumen shows their month.

Try it live
Sample persona

Priya, 24 · first job, paid monthly

Left to spend in September

£420

Balance
£1,284.37

That's £38.18 a day for the next 11 days.

£1,070 spent of £1,490 budgeted · day 19 of 30

Spending by category

£1,070 spent so far in September. The largest share is rent at £750 (70%).

Spending by category, September so far
CategorySpentShare
Rent£750.0070%
Bills£92.009%
Groceries£96.009%
Transport£48.004%
Eating out£52.005%
Fun & shopping£32.003%

Last 30 days

You spent £1,240 in the last 30 days, 8% less than the 30 days before.

Daily spending, last 30 days
DateSpent that dayRunning totalPrevious period running total
21 Aug£7.69£7.69£10.82
22 Aug£28.07£35.76£28.74
23 Aug£21.38£57.14£56.90
24 Aug£16.69£73.83£68.73
25 Aug£5.22£79.05£81.11
26 Aug£15.76£94.81£98.36
27 Aug£9.29£104.10£104.71
28 Aug£5.27£109.37£116.66
29 Aug£9.30£118.67£152.63
30 Aug£29.64£148.31£170.88
31 Aug£17.29£165.60£189.35
1 Sept£761.52£927.12£954.67
2 Sept£10.48£937.60£966.34
3 Sept£75.73£1,013.33£1,038.40
4 Sept£12.48£1,025.81£1,055.06
5 Sept£25.05£1,050.86£1,084.77
6 Sept£25.10£1,075.96£1,120.72
7 Sept£10.04£1,086.00£1,140.94
8 Sept£10.77£1,096.77£1,163.37
9 Sept£15.71£1,112.48£1,176.99
10 Sept£9.31£1,121.79£1,199.39
11 Sept£10.87£1,132.66£1,209.99
12 Sept£9.82£1,142.48£1,242.50
13 Sept£24.42£1,166.90£1,263.02
14 Sept£15.48£1,182.38£1,280.09
15 Sept£9.25£1,191.63£1,286.24
16 Sept£6.91£1,198.54£1,297.80
17 Sept£17.40£1,215.94£1,313.45
18 Sept£6.17£1,222.11£1,330.41
19 Sept£17.89£1,240.00£1,348.00

From people like you

Money, minus the knot in your stomach

  • “I used to check my balance with one eye shut. Now I open Lumen on payday and actually know what I've got left for the month.”

    Priya, 24, junior analyst

  • “We split rent and bills without a spreadsheet or awkward chats. We can both see what's paid and what we're saving for.”

    Sam & Alex, renting together

  • “My income is lumpy. Lumen smooths it into a steady monthly amount, so a quiet month doesn't feel like a crisis.”

    Jordan, freelance illustrator

Pricing

Free to start. Plus when you need it.

Billing period

  • Free

    £0forever

    Everything you need to start budgeting.

    • Budgets and spending insights
    • Up to 2 bank connections
    • 3 savings goals
    • Bill reminders
    Get Lumen free

  • Plus

    Most popular

    £3.99 per month

    Billed monthly. Cancel any time in the app.

    • Everything in Free
    • Unlimited bank connections
    • Shared budgets with up to 4 people
    • Unlimited goals and custom categories
    • Export to CSV and spreadsheets
    Get Lumen Plus

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Download

Ready when you are

Lumen is free on iPhone and Android. Connect a bank in about two minutes, or start with a manual budget.

Scan to get Lumen

Point your phone's camera at the code. It opens the right store for your phone.

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