LUMEN AI: Smart Money Coach 앱 분석 (10월 21일)

Money disappearing and you don't know where it went? LUMEN AI tells you exactly what you can spend today without wrecking your month — and logging an expense takes 5 seconds: just tell Lumi like you'd tell a friend. NO BANK. NO CLOUD. NO PASSWORDS. Your data lives only on your phone. No account, no servers of ours, no trackers. The AI that reads what you type runs on your device. WHAT YOU CAN DO • Tell Lumi your expenses: "spent 50 on coffee and 200 at the store" creates two editable entries at once. Voice works too. • Understands how people talk: "150k", "3 coffees at 50 each", "got paid 500 and spent 100 on gas". • Daily safe-to-spend: one big number computed from your income, fixed expenses and the days left until payday. • Scan receipts: photo of the ticket → amount, store and date. • Category limits with friendly alerts at 80% — never guilt messages. • Ant-expense detector and a 7-day no-ant-expenses challenge. • Accounts: cash, bank and credit cards without double counting, plus a plan to pay your card off faster. • Installment simulator and loan comparator showing the real total cost (EAR, APR and monthly rates). • Savings goals with streaks, a payment agenda with reminders, and automatic backup. • Multi-currency: USD, MXN, COP, ARS, PEN, CLP and more. • Apple Watch, home and lock screen widgets, Control Center and Action button. • End-of-month projection, automatic month close and monthly summary. • Face ID lock. • In English and Spanish. LUMEN PLUS (OPTIONAL SUBSCRIPTION) Start with a 7-day free trial, then a monthly or yearly plan. Plus includes unlimited Lumi logging (chat, voice, quick add and watch), unlimited receipt scanning, unlimited limits and goals, the full payment agenda and automatic backup. The free plan includes 5 AI logs per month, unlimited limits, 1 goal and 3 reminders; manual logging is unlimited and nothing you already logged is ever locked away. Payment is charged to your App Store account at purchase confirmation. The subscription renews automatically until you cancel it, at least 24 hours before the end of the period, from your account settings. Terms of Use (EULA): https://lumen-ai-app.com/terminos Privacy Policy: https://lumen-ai-app.com/privacidad Delete your data: https://lumen-ai-app.com/eliminar-cuenta