Spending · October
₹1,24,560
₹8,200 less than September
Oct 1Oct 15Oct 31
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Every transaction from every account, sorted and searchable in one view.
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Meet the AI thatminds your money.
Lumen keeps track of everything you earn, spend and owe, reads your bills and receipts, and keeps finding new ways for you to save.
We found 9 ways to save you ₹42,300 this year
Subscriptions
Three plans you forgot about.
Two streaming plans and an old cloud backup cost you ₹1,850 a month. Cancel them in a tap.
Savings
Your cash is sitting still.
₹2.4 lakh in your savings account earns next to nothing. Put to work, it could earn about ₹16,000 more a year.
Bills
Electricity jumped 32%.
This month's bill is well above your usual. Lumen spotted a tariff change on page 2.
Charges
Same bill, charged twice.
FreshMart billed you twice for one order this week. The duplicate is flagged for a refund.
Money shouldn't keep youup at night.
Lumen points out your next best move, explains why it matters, and nudges you at the right moment.
- Cites every source
- You approve every change
- Private to your account
- Reads bills, receipts & statements
Track every rupee,all in one place.
Budget
Left to spend₹18,400of ₹60,000
Monthly income₹1,20,000
Save20%₹24,000
Spend50%₹60,000
Stay on budget
Set a budget in seconds and always know how much is left to spend.
Upcoming charges
SMTWTFS
27
28
29N₹649
30
1SA₹718
2
3Y₹129
4G₹1,499
5
6D₹299
7
8
9C₹99
10
7 subscriptions · ₹3,493 / month
Tame your subscriptions
Find the recurring charges you forgot about and cancel the ones you don't use.
Bill · read from photo
- Merchant
- FreshMart Supermarket
- Date
- 12 Oct 2026
- Paid with
- HDFC card ·· 4410
Basmati rice 5kg × 2₹1,080
Olive oil 1L × 2₹1,560
Fresh produce₹825
Totals add up₹3,465
Read every bill
Snap a receipt or forward an invoice. Lumen pulls out every line and checks the maths.
Next 3 months
Expected spend in November
₹1,42,000
Actual Forecast
See what's coming
Forecast next month's spending and cash flow from your own history.
Idle cash
Sitting idle
₹2.4L
Could earn
7.0%
Extra / year
₹16K
Put to work Left idle
Grow your savings
Spot cash that's sitting idle and see what it could earn if you put it to work.
Advice that comesto you.
Your card statement closes in 6 days. Paying ₹8,000 now keeps you under 30% usage.1m ago
Your gym membership renews Friday. You haven't checked in since July.12m ago
Rent took 34% of your income this month, a little above the healthy mark.1h ago
FreshMart charged you twice for one order. The duplicate is flagged.3h ago
We connecteverything
Bank statements, cards, bills, receipts and contracts come together, so nothing slips through.
Credit usage
24%
Healthy
Cash flow
+₹18,200
This month
Savings rate
21%
Above target
Subscriptions
7
₹3,493 / month
Top category
Dining
₹14,800
Upcoming bills
4
This week
Rent share
34%
Above 30%
Net worth
₹8.6L
+2.1% this month
Credit usage
24%
Healthy
Cash flow
+₹18,200
This month
Savings rate
21%
Above target
Subscriptions
7
₹3,493 / month
Top category
Dining
₹14,800
Upcoming bills
4
This week
Rent share
34%
Above 30%
Net worth
₹8.6L
+2.1% this month
Net worth
₹8.6L
+2.1% this month
Rent share
34%
Above 30%
Upcoming bills
4
This week
Top category
Dining
₹14,800
Subscriptions
7
₹3,493 / month
Savings rate
21%
Above target
Cash flow
+₹18,200
This month
Credit usage
24%
Healthy
Net worth
₹8.6L
+2.1% this month
Rent share
34%
Above 30%
Upcoming bills
4
This week
Top category
Dining
₹14,800
Subscriptions
7
₹3,493 / month
Savings rate
21%
Above target
Cash flow
+₹18,200
This month
Credit usage
24%
Healthy
Cash flow
88%2 actions
Saving more than 20% of income Rent under 30% of income No duplicate charges Bills paid on time Spending pacing over budget Emergency fund covers 3 months Loan payments under 15% of income Saving more than 20% of income Rent under 30% of income No duplicate charges Bills paid on time Spending pacing over budget Emergency fund covers 3 months Loan payments under 15% of income
We findways to save
Dozens of money checks run quietly in the background and surface only what's worth your time.
We guide yournext move
A money health score and a short list of actions show what's working and where to focus next.
72
Summary
Aarav, your biggest win this month is putting ₹40,000 of idle cash to work.
Subscriptions
Free up ₹2,100 a month
Three plans haven't been used since summer. Cancelling them pays for your phone bill.
LumenYou
Nothing changeswithout you.
Lumen suggests: flag a charge, recategorise, mark a bill paid. You decide, and every decision is logged.
Lumen suggestsjust now
Flag a double charge?
FreshMart charged you twice for the same order on 12 Oct. Flag the second one so you can ask for a refund.
₹3,465 · 10:41 am ₹3,465 · 10:42 am
Low risk
Your money,explained.
Ask Lumen anything and get answers grounded in your own numbers, documents and goals.
9:41
Welcome back, Aarav
What's on your mind today?
Where did my money go last month?Any subscriptions I can cancel?How's my budget looking?
Ask anything
3 accounts connected
Lumen can make mistakes. Check the sources.
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asdfghjkl
⇧zxcvbnm⌫
123spacereturn
Ask it anything.
Spending
“Where did my money go last month?”
Saving
“How much would I save by cooking at home twice a week?”
Planning
“Can I afford a ₹60,000 trip in December?”
Bills
“Why is my electricity bill so high this month?”
Subscriptions
“Which subscriptions haven't I used lately?”
Forecast
“Will I stay within budget this month?”
Documents
“When does my rental agreement end?”
Goals
“How long until I have ₹5 lakh saved?”
Charges
“Did anyone charge me twice this month?”
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