# Lums AI — AI Budget & Money Management > AI-powered budgeting and money management with multi-currency account aggregation. (iPhone/iPad app by Lums Ai Inc..) - Source: https://appshunter.io/ios/app/lums-ai/id6749652370 (this page in markdown: same URL + `.md`) - Developer: [Lums Ai Inc.](https://appshunter.io/developer/1831618830) - Category: Finance, Lifestyle - Price: Free with in-app purchases - Rating: 1.00/5 from 2 App Store ratings - Age rating: 17+ - Requires: iOS 15.0 · 55 MB - Languages: English - Released: 2025-09-29 - Data updated: 2026-07-03 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/lums-ai/id6749652370/reviews.md ## What is Lums AI? Chat with your money and let AI build your budget in 2 minutes. Save time with Lums, the intuitive money management tool designed for total financial clarity. Build your personalized budget, manage multi-currency accounts, and let our AI auto-categorize every transaction instantly. Ask: “What recurring charges do I have?” to find hidden costs and master your wealth with the ultimate budgeting app experience. ALL YOUR ACCOUNTS IN ONE PLACE Manage all your accounts together, whatever the currency, with real-time tracking and automatic categorization. Whether you're at home or abroad, Lums ensures your budget stays accurate across every account you own. CORE FEATURES: - Connect all your banks: See all your balances and transactions in one place, instantly. - Chat with your money: A unique way to interact with your finances. Build your entire budget and categorize transactions in bulk through a simple 2-minute conversation based on your goals and patterns. - Personalized Budgeting: Set up a budget that fits your life, then edit it whenever you want with total ease. - Proactive Insights: Get smart updates on your spending. Like “You spent 30% more on dining this month”. - Effortless Tracking: Categorize your expenses automatically, in bulk via our chat, or manually. You can also tag your expenses to stay perfectly organized. Your privacy is our priority. Lums provides bank-level security with read-only, encrypted access so your data stays yours, always. Lums uses Google Cloud Vertex AI to securely process user messages and relevant financial data in order to provide AI-powered insights. Google Cloud acts solely as a data processor and does not use this data to train its models. Privacy Policy: https://www.lums.ai/en-ca/privacy-policy Terms of Use: https://www.lums.ai/en-ca/terms-of-service ## Key features - AI-powered budgeting - Chat with your money interface - Multi-currency account management - Automatic transaction categorization - Proactive spending insights - Bank-level security ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Unlimited Access | $9.99 | per month | | Unlimited Access | $79.99 | per year | ## Frequently asked questions about Lums AI ### How does Lums AI build a budget? Lums AI uses a unique chat interface where you can describe your financial goals and patterns. The AI then builds a personalized budget for you in approximately 2 minutes, categorizing transactions automatically. ### Can Lums AI manage accounts in different currencies? Yes, Lums AI is designed to manage multi-currency accounts. It provides real-time tracking and automatic categorization for all your accounts, whether you are at home or abroad. ### What kind of security does Lums AI offer? Lums AI prioritizes user privacy with bank-level security. It uses read-only, encrypted access to your financial data, ensuring your information remains secure and private. ### How often is Lums AI updated? The latest version of Lums AI is 2.1.0, which was last updated on April 26, 2026. This indicates a commitment to regular updates and improvements. ### What devices does Lums AI support? Lums AI is currently supported on iPhone and iPod devices, making it accessible for many Apple users looking to manage their finances on the go. ### What are the subscription options for Lums AI? Lums AI offers subscription plans for Unlimited Access at $9.99 per month or $79.99 per year, providing full access to its premium features. ### Does Lums AI have ads? Yes, Lums AI contains advertisements. As a free app with in-app purchases, advertisements are part of its operational model. ### What is the age rating for Lums AI? Lums AI has an age rating of 17+, suggesting it contains content or features that are considered more mature or complex, suitable for older users. ## Version history (last 5 releases) ### 2.1.0 — 2026-04-26 This update brings powerful new ways to understand your money. Enjoy a redesigned dashboard, PDF statement imports, smarter tracking of recurring activity, and improvements throughout the app, including bug fixes and enhanced stability. ### 2.0.5 — 2026-03-12 This update brings advances across the app to enhance your experience. With this release, we bring you categorization rules, bulk categorization, bug fixes, and stability improvements. ### 2.0.3 — 2026-02-24 This update brings advances across the app to enhance your experience. With this release, we bring you smart transaction search, bug fixes, and stability improvements. ### 2.0.2 — 2026-02-06 This update brings improvements across the app: - Advanced transaction filtering - UX improvements - Bug fixes and stability improvements ### 2.0.1 — 2026-02-04 This update brings improvements across the app: - Face ID is here for faster access - UX enhancements to make navigating Lums more intuitive - Multiple bug fixes for a smoother experience ## Apps similar to Lums AI | App | Rating | Price | Category | | --- | --- | --- | --- | | [Goodbudget Budget Planner](https://appshunter.io/ios/app/goodbudget-budget-planner/id471112395) | 4.6 (13,125) | Free | Finance | | [Peek - AI Personal Finance App](https://appshunter.io/ios/app/peek-ai-personal-finance-app/id6742875016) | 4.4 (225) | Free | Finance | | [FRED Economic Data](https://appshunter.io/ios/app/fred-economic-data/id451715489) | 3.4 (79) | Free | Finance | | [Carta - Manage Your Equity](https://appshunter.io/ios/app/carta-manage-your-equity/id1137735263) | 4.8 (9,216) | Free | Finance | | [PocketGuard・Budget Planner App](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211) | 4.6 (7,647) | Free | Finance | | [Budget Bestie](https://appshunter.io/ios/app/budget-bestie/id6460258044) | 4.7 (2,967) | Free | Finance | --- *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 2026-07-03.*