Lumino
Lumino consolidates financial accounts into one clear dashboard for better oversight.
FreeProductivity
Visit website Free to browse · updated 2026-06-20
What is Lumino?
Users can link accounts from thousands of institutions for real-time balance updates and visual tracking of wealth growth over time. The system highlights trends in expenses and suggests ways to optimize finances based on individual patterns. Advanced AI features sort transactions without manual input and send alerts for unusual activity. Forecasting tools project future net worth while maintaining strict limits on data access. Security relies on encrypted connections and zero capability to move funds, ensuring personal information stays protected and is never shared externally.
Key features
Connect unlimited accounts from 10,000+ institutions via Plaid
Real-time balance updates and net worth tracking with charts
AI-powered automatic transaction categorization
Spending insights, trends, and custom alerts
Personalized financial recommendations and savings opportunities
Financial forecasting of future net worth
Bank-level security with 256-bit AES encryption and zero transaction capability
What you can use Lumino for
Unified Financial Dashboard
Link checking, savings, credit cards, investments, and loans for a complete view of net worth, liabilities, and cash flow.
Automated Spending Analysis
AI categorizes transactions to reveal trends, patterns, and opportunities while sending custom alerts for unusual activity.
Personalized Forecasting
Receive tailored recommendations and project future net worth based on current financial trends and savings opportunities.
How to use Lumino
- 1Sign up at luminowealth.ai
- 2Connect accounts through Plaid
- 3Review unified dashboard and charts
- 4Explore AI insights and alerts
- 5Set custom goals for forecasting
Lumino pricing
Pricing model: Free. Plan details are indicative — check the site for current prices.
Free
Free
- Unlimited account connections
- Real-time balance updates
- Net worth tracking
- AI-powered categorization
- Spending insights
- Custom alerts
- Personalized recommendations
- Bank-level security
Editor's verdict
Pros
- +Comprehensive unified view of all accounts and net worth
- +Strong security and privacy with Plaid OAuth and no data selling
- +Automatic tracking without manual entry
Cons
- –Requires linking financial accounts to function
- –No pricing details provided on site
- –View-only access with no transaction or payment features
Our take: Lumino is a solid productivity choice. It's valued for comprehensive unified view of all accounts and net worth and strong security and privacy with plaid oauth and no data selling. The main trade-off is requires linking financial accounts to function. A good pick if you want capable AI without a high upfront cost.
Frequently asked questions
It uses Plaid's secure OAuth for connections to 10,000+ institutions without storing passwords.
Summary
Lumino is a solid productivity choice. It's valued for comprehensive unified view of all accounts and net worth and strong security and privacy with plaid oauth and no data selling. The main trade-off is requires linking financial accounts to function. A good pick if you want capable AI without a high upfront cost.
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