AI · alternatives · 2026
24 alternatives to Lums
Chat with your money and let Lums build your budget.
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Prices are shown for the 1 we have checked on their own sites, 1 of them free or with a free tier.
- 1
Preso Budget▲107Manage your money with a smart budgeting platform
2025 · presobudget.com · its alternatives →
- 2
Fina▲257Fina lets you build your own tracking system with live financial accounts all without using a spreadsheet. You can build and share custom templates the same way you can in notion.
2023 · fina.money · its alternatives →
- 3
Surmount AI▲127Invest smarter, not harder using data-driven strategies
2023 · app.surmount.ai · its alternatives →
- 4
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Pulse Local, a Mac budgeting app whose AI models run on your machinefree tier, from $20/mo▲122A budgeting app with AI on your own machine. Your ledger and your questions both stay on disk. The models download once, then nothing about you leaves.
8d ago · pulseos.finance · its alternatives →
- 6
Money Management▲131The easy way to take control of your finances
2023 · mchau4108.gumroad.com · its alternatives →
- 7
Master your money: every expense, every detail
2023 · play.google.com · its alternatives →
- 8
Master Your Money -Automate Your Personal Finances
2025 · amitconnect44.gumroad.com · its alternatives →
- 9
- 10
Lumio 2.0▲83Cut the cost of living without the spreadsheet faff
2022 · lumio-app.com · its alternatives →
- 11
SaveCash AI▲11#PersonalFinance #Budgeting #AI #Fintech #MoneyManagement
2025 · savecashai.com · its alternatives →
- 12
Track and control your money with just a picture
2025 · howispendmy.money · its alternatives →
- 13
MoneyDesk▲18Personal AI finance app | budget, Loan & expense manager
Nov 2025 · moneydesk.co · its alternatives →
- 14
Log expenses by voice. Track budgets instantly.
Feb 2026 · apps.apple.com · its alternatives →
- 15MS
For years, I have struggled to understand my cash flow and save for the future. In addition to that, my wife has many credit cards and accounts that complicate matters. I am building a tool that connects all our accounts, helps us create a budget, and tracks and adjusts expenses on the fly. I am also sprinkling some AI magic on it for financial suggestions. I am looking for feedback on the implementation. More importantly, I am looking for more beta testers to improve the product.
2023 · financemadelovely.com · its alternatives →
- 16
Manage your finances effortlessly with AI Money Manager
2024 · play.google.com · its alternatives →
- 17
Link your accounts and track budgets with the help of AI.
2025 · apps.apple.com · its alternatives →
- 18
Manage, split, and budget money with AI — all in one place
Dec 2025 · expensebuddy.it · its alternatives →
- 19
WiseFlow▲13Your money finally makes sense ! Meet Your New AI comapnion.
Jun 2026 · wiseflowapp.com · its alternatives →
- 20
Budgeting you can text like a friend
Jul 2026 · apps.apple.com · its alternatives →
- 21
AI-Powered Expense Tracker
2025 · tryfreddy.netlify.app · its alternatives →
- 22
Smart Financial Planning Made Simple
Jul 2026 · apps.microsoft.com · its alternatives →
- 23
Stop financial stress. Build Lasting Wealth. 24/7 AI coach.
Nov 2025 · mymoneycoach.ai · its alternatives →
- 24
I built Duebase AI to solve a problem I kept running into in fintech - analyzing UK company financial health takes forever. The process usually goes: download PDFs from Companies House → manually extract data to spreadsheets → calculate ratios → interpret trends. Takes 3-4 hours per company and requires serious financial expertise. The technical challenge: Companies House filings are messy. Inconsistent formats, complex accounting structures, missing data, and you need to understand UK accounting standards to make sense of it all. My approach: Parse 15M+ UK company records from Companies…
2025 · duebase.com · its alternatives →
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Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →