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Hello, and welcome

Lumen holds your whole life — money, habits, tasks, goals, health — gently, in one calm place. Let's take a minute to set things up.

What should we call you?

Money basics 💰

We'll use these to auto-build your budget. Estimate is fine — you can change anything later.

Your currency

Monthly take-home income (after tax)

Budget style — how should we split your income?

50/30/20 — balanced 70/20/10 — saver 60/30/10 — relaxed

Pick one that matters most right now — we'll auto-track progress for you.

Build $5k emergency fund Pay off credit card Lose 10 lbs Read 12 books Save for vacation Build exercise habit

…or write your own

Pick a few. We'll auto-build the tracker, calculate streaks, and remind you on the dashboard.

💧 Water 🏃 Exercise 📚 Read 🧘 Meditate 📵 No phone before bed 😴 Sleep 8h ✍️ Journal 🚶 10k steps 🍳 Cook at home 💸 Track expenses

Here's what Lumen will quietly do for you in the background:

✓Auto-categorize transactions you log (type "Starbucks" → it knows it's Coffee)
✓Calculate habit streaks automatically — no math
✓Track goal progress from your actions
✓Auto-generate grocery lists from your meal plan
✓Surface insights like "You're under budget" or "5-day streak 🔥"
✓Work offline — your data lives on your device only

Round 1 of 4

breathe in

When you're ready, follow the circle. Inhale as it grows, exhale as it shrinks. Four rounds, just under two minutes.