A visual home
Milestone
Features
Take charge of your money. With the AI you already use.
Connect your accounts for clearer answers, practical plans, and less financial busywork.
1 connection free (one bank login).
More than one connection for $10/month plus applicable tax.
- For you Available now
- For your businessPilot coming soon
Works with
Claude
OpenAI
Perplexity
+ many more:
- Claude
- OpenAI
- Perplexity
Gemini
Cursor
Cline
Windsurf
Kimi Code
LibreChat
Open WebUI
How it works
Your accounts. Your AI. Connected.
Spending & budgeting. Personal demonstration. You ask: Using Lumen, how much did I spend eating out last month? Claude answers: Eating out totaled $310 across eight charges last month. You ask: Show the total for each restaurant. Claude answers: Three restaurants account for the $310: Oak & Olive $128, Green Bowl $96 and Corner Café $86. You ask: What is a year at $25 a week compared with twelve months at $310 a month? Claude answers: $25 for 52 weeks is $1,300. Twelve months at $310 is $3,720, a difference of $2,420. These are two assumed spending amounts. You ask: Using the same $25 a week, compare the first three complete weeks of this month. Claude answers: Those three weeks total $250: $82, $94 and $74. Your $25 weekly amount totals $75 across three weeks, so recorded spending was $175 higher.Financial account access is read-only and cannot move money. Your bank password is never shared with Lumen.
Your bank login stays private
Lumen never receives your bank username or password.
Financial data on demand
Balances and transactions are queried when you ask, never stored in Lumen’s database.
Read-only bank access
No ability to move money, pay bills, or make trades.
You control access
Choose which accounts to share. Disconnect an AI whenever you want.
Plans & pricing
Start free.
Bring it all together.
| Feature Your money.
| Free to keep FreeStart asking about your money. $0/ month Upgrade whenever you need. Keep your bank connected for free | The bigger picture PersonalBring your accounts and insights together. $10/ month Plus applicable tax. Cancel anytime. Unlimited during beta | Upcoming pilot BusinessBring your business finances and statements together. Coming soon Pricing announced with the pilot. Request an invite by email |
|---|---|---|---|
| Bank connections | 1 bank loginCan include several accounts | UnlimitedDuring beta | UnlimitedDuring beta |
| Tool calls | 200 tool calls per day | UnlimitedDuring beta | UnlimitedDuring beta |
| Balances, transactions & spending answers | Included | Included | Included |
| Recurring bills & income detection | Included | Included | Included |
| Investment holdings | Included | Included | Included |
| Custom categories & labels | Not included | Included | Included |
| Bank-data refreshes on request | Not included | Included | Included |
| Team member access | Not included | Not included | Multiple users |
| Official bank statement PDFs | Not included | Not included | 10 / month |
The bigger picture
Personal
Bring your accounts and insights together.
$10/ month
Plus applicable tax. Cancel anytime.
Unlimited during beta
- Bank connections
- UnlimitedDuring beta
- Tool calls
- UnlimitedDuring beta
- Balances, transactions & spending answers
- Included
- Recurring bills & income detection
- Included
- Investment holdings
- Included
- Custom categories & labels
- Included
- Bank-data refreshes on request
- Included
- Team member access
- Not included
- Official bank statement PDFs
- Not included
No money movement. You control access.
Paid plans during beta: Unlimited connections and tool calls. We’ll give advance notice if limits change.
Features vary by bank.
One connection = one bank login. It can include checking, savings and credit cards. Some AI apps, like ChatGPT and Perplexity, need their own paid plan to add connectors. Your AI provider’s limits still apply. About tool calls
Make the connection
Your first insight
starts here.
You already have questions about your money. Give your AI the context to help you answer them.
Sign up todayOne bank login free. No ability to move money.
- 01
Create your Lumen account
Start with one bank login, free for as long as you need.
- 02
Connect your financial accounts
Find your bank and choose the accounts you want to share. Lumen never receives your bank password.
- 03
Connect your AI. Ask your first question.
Follow the setup steps for your AI, then ask about a balance, a spending pattern or something you’ve been meaning to understand.
- See the setup guide
The Lumen roadmap
What’s next for Lumen.
Web, shared finances, and mobile. Built around the same connection to your AI.
MilestonesFeatures
Select an item to see what it means for you.
Before you connect
Good questions.
Clear answers.
What to know about setup, access and your plan.
Ask us something elseWill Lumen work with my bank?
Lumen connects through Quiltt to thousands of US banks, credit unions and brokerages. Available accounts and features vary by institution. Search for your bank during connection and choose which accounts to share.
Which AI can I use? Do I need a paid AI plan?
Use an AI app that supports custom MCP connections, such as Claude, ChatGPT or Perplexity. You do not need to code, but setup and availability depend on your AI provider, plan and device. Some providers require a paid plan. Your AI subscription is separate from Lumen. See our setup guide.
What counts as a connection or a tool call?
A connection is one bank login. That login can include checking, savings, credit cards and other accounts. A tool call is a request your AI sends to Lumen, such as retrieving financial information. One question can require several tool calls. The Free plan includes 200 tool calls per day; Personal has unlimited tool calls during beta.
Can my AI move money or change my bank accounts?
No. Lumen has no ability to move money, pay bills or make trades. You choose which accounts to share and can disconnect an AI at any time. Depending on your plan and the permissions you approve, your AI can help organize transaction categories and labels or request a bank-data refresh. Those actions cannot move money. Explore security and control.
What happens to my financial data?
Lumen queries balances and transactions through Quiltt when needed rather than storing them in Lumen’s database. Lumen never receives your bank username or password. The financial information your AI requests is shared with that AI provider and may appear in your conversation. That provider’s policies and settings govern what it retains. Review the privacy policy and your AI’s settings before connecting.
Can I use Lumen for my business?
Lumen for personal use is available now. The Business pilot is coming soon, with access for multiple team members and up to 10 official bank statement PDFs a month planned. Availability of statements will depend on your financial institution. Pricing will be announced with the pilot. To express interest, email the team to join the waitlist.