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  • Lumino: Net Worth & Cash Flow screenshot 1
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About Lumino: Net Worth & Cash Flow

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.

Ratings & reviews

5.0

10 ratings

5 ★ 100% 4 ★ 0% 3 ★ 0% 2 ★ 0% 1 ★ 0%

What’s new

Version 1.0.8 · Updated September 24, 2026

New UI enhancements Bug fixes

App privacy

The developer, Kaizen Software Systems Inc., reported these privacy practices to Apple.

Data Not Collected

The developer does not collect any data from this app.

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Looking for apps like Lumino: Net Worth & Cash Flow? Here are 6 similar apps on the App Store. The highest rated is Plumb: Bills & Money Tracker (5.0/5), and all 6 are free to download.

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