auto_awesomeZero-Based Budgeting Made Simple

Take control of every dollar

Lume is a personal finance app that helps you budget with intention — assign income to categories, track spending, and watch your net worth grow.

No credit card required · Your data stays private

Everything you need to budget better

Built around the proven zero-based budgeting methodology.

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Zero-Based Budgeting

Give every dollar a job. Assign your income to categories and always know where your money goes.

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All Accounts in One Place

Track checking, savings, credit cards, loans, and investments from a single dashboard.

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Never Miss a Bill

Stay ahead of subscriptions and loan payments with the upcoming obligations timeline.

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Watch Your Net Worth Grow

Real-time net worth calculation across all on-budget and tracking accounts.

Ready to take control?

Join Lume today and start budgeting with intention.

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