# Lumino: Net Worth & Cash Flow — AI Alerts, Bills & Savings > AI-powered personal finance assistant for monitoring and understanding financial activity. (iPhone/iPad app by Kaizen Software Systems Inc..) - Source: https://appshunter.io/ios/app/lumino-net-worth-and-cash-flow/id6758889739 (this page in markdown: same URL + `.md`) - Developer: [Kaizen Software Systems Inc.](https://appshunter.io/developer/1875551117) - Category: Finance, Productivity - Price: Free - Rating: 5.00/5 from 9 App Store ratings · 5 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 41 MB - Languages: American English - Released: 2026-06-23 - Data updated: 2026-09-13 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/lumino-net-worth-and-cash-flow/id6758889739/reviews.md ## What is Lumino? Lumino is an AI-powered personal finance app from Kaizen Software Systems Inc. Connect your bank and credit card accounts to see balances, transactions, spending patterns, and recurring charges in one place. FEATURES Personal Finance Dashboard Connected accounts, balances, transactions, and spending activity in one organized view. Transaction Monitoring Review recent transactions and understand where your money is going. AI-Powered Financial Insights Ask questions about your financial activity and get AI-assisted answers based on your connected account data. Smart Alerts Proactive alerts about spending activity, unusual transactions, and upcoming bills. Recurring Payment Tracking Surface subscriptions and recurring charges so nothing bills you quietly. Split Expenses Split a transaction with friends, roommates, or family right from the app, and keep track of who owes whom until it is settled up. Secure Sign-In Sign in with Apple or Google. Privacy-Focused Design Bank connections are handled through Plaid. Lumino never stores your bank credentials. SUBSCRIPTION DETAILS Lumino is an auto-renewing subscription - $0.99 per month for the first 12 months, then $4.49 per month. Prices are in U.S. dollars and may vary by region. Payment is charged to your Apple ID account at confirmation of purchase. The subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period. You can manage your subscription and turn off auto-renew in your Apple ID account settings after purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://luminowealth.ai/legal/privacy-policy IMPORTANT DISCLAIMER Lumino provides informational insights only and does not provide financial, investment, tax, or legal advice. AI-generated insights are for general awareness and are not a substitute for professional advice. Lumino is not a financial advisor. ## Key features - Personal finance dashboard - Transaction monitoring - AI-powered financial insights - Smart spending alerts - Subscription tracking - Secure sign-in - Privacy-focused design ## Recent user reviews (5 of 5) All indexed reviews: https://appshunter.io/ios/app/lumino-net-worth-and-cash-flow/id6758889739/reviews.md ### 5/5 — AI reduced my responsibilities! *2026-06-26* Excellent financial ai app!! ### 5/5 — Actually Useful!!! *2026-06-26* The email suggestions are definitely useful, it sends you saving tips based on your actual spending which I didn't expect to care about but ended up being really helpful. Caught a charge I forgot about and gave me some solid ideas on where I could cut back. ### 5/5 — App is very insightful. *2026-06-24* I have been using this app from past few days. It provide me hidden insights of my spendings and realtime alerts. Kudos to the team. ### 5/5 — Helpful AI features and Clean UI *2026-06-24* Very useful and easy-to-use app.The AI features and alerts are really helpful to organize assets efficiently. Everything works smoothly, and the app feels well designed. Great experience overall. The UI is clean, navigation is simple. ### 5/5 — Simple, Smart AI financial Insights *2026-06-24* Love the AI generated insights in secure way!! Offload my finance management burden and help me automatically monitor wealth. ## Frequently asked questions about Lumino ### What is Lumino? Lumino is an AI-powered personal finance assistant that helps you monitor your financial activity, understand your spending, and get insights from a single dashboard. It organizes key financial information to make it easier to understand. ### How does Lumino help with financial insights? Lumino uses AI to provide insights based on your connected financial accounts and transaction data. You can ask questions about your financial activity and receive helpful AI-assisted answers. ### Is Lumino secure? Yes, Lumino is built with privacy and security in mind, offering secure sign-in options like Apple and Google. It aims to protect your personal financial information. ### What devices does Lumino support? Lumino is available on iPhone, iPad, and iPod. It is designed for iOS devices. ### How often is Lumino updated? Lumino was last updated on June 25, 2026, with version 1.0.1. This indicates a recent update, suggesting ongoing development and maintenance. ### Does Lumino provide financial advice? No, Lumino provides informational insights only and does not offer financial, investment, tax, or legal advice. AI-generated insights are for general awareness and not a substitute for professional advice. ### What is the user rating for Lumino? Lumino has a perfect 5.0-star rating from 7 reviews. This indicates a very positive reception from its current user base. ### Does Lumino have ads? No, Lumino does not contain advertisements. It is a completely ad-free experience for users. ## Version history (last 5 releases) ### 1.0.7 — 2026-08-25 New: Investment Tracking See your brokerage and retirement accounts alongside everyday banking. A new Asset Allocation view breaks down your portfolio by stocks, ETFs, crypto, and cash with balances that update automatically. Also in this version: - Bug fixes and UI enhancements ### 1.0.6 — 2026-08-21 - New Demo Mode - UI Enhancements and Bug fixes ### 1.0.5 — 2026-08-19 - New Onboarding - UI Enhancements - Bug Fixes ### 1.0.4 — 2026-08-13 NEW: Split Expenses & Net Worth Updates Split Expenses Split a transaction with friends, roommates, or family right from the app. Everyone gets notified, and Lumino tracks who owes whom until it's settled up. Update Your Net Worth Add the things Lumino can't see through a linked account: a home, a car, a private loan, so your net worth reflects what you actually own. Also in this release: • Stability improvements and minor bug fixes. ### 1.0.3 — 2026-07-15 Your money, now with answers. Meet Lumino's new AI Assistant ask anything about your spending, income, or bills and get instant answers grounded in your real accounts. And with the new Left to Spend, you'll always know what's safe to spend before the month ends ## Apps similar to Lumino | App | Rating | Price | Category | | --- | --- | --- | --- | | [Formation Money](https://appshunter.io/ios/app/formation-money/id6791265946) | 5.0 (1) | Free | Finance | | [TallyFi: Personal Finance](https://appshunter.io/ios/app/tallyfi-personal-finance/id6789790479) | 5.0 (1) | Free | Finance | | [Finzy: Spending Tracker](https://appshunter.io/ios/app/finzy-spending-tracker/id6804288916) | 5.0 (3) | Free | Finance | | [TradeZap AI](https://appshunter.io/ios/app/tradezap-ai/id6761237581) | — | Free | Finance | | [Future Capital](https://appshunter.io/ios/app/future-capital/id6748376992) | — | Free | Finance | | [Bento: Budget & Money Tracker](https://appshunter.io/ios/app/bento-budget-and-money-tracker/id6754046684) | 5.0 (3) | Free | Finance | ## Related topics [lumino](https://appshunter.io/ios/topics/lumino) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-13.*