How much can I spend this monthwithout breaking it?
Lumfi is the cash-flow pilot for variable income. One number tells you what's safe to use today — backed by your receivables, debts, and upcoming bills.
This week
Safe to use
Month risk
Mid
Which Lumfi is for you?
3 questions, 30 seconds. We take you straight to your landing.
You don't have a salary. You have a question every Monday.
“Can I pay rent and still buy the equipment I need this month?”
“Is the money in my account already promised to taxes, or is it mine?”
“If the client pays late again, am I in trouble?”
Lumfi answers all three. Every day.
Other tools track what already happened. Lumfi pilots what's coming next — so you stop guessing and start moving with confidence.
Test your safe weekly limit in 10 seconds
How much can I spend this week?
Calculate your safe weekly limit in 10 seconds. No signup.
You can spend this week
$ 1.018.500
With safety margin — the honest number
Indicative calculation. In-app we weight each receivable by likelihood, auto-handle FX and forecast by real weeks.
Four minutes to your first cash diagnosis
Tell us what's real
Cash you have, clients who owe you, bills coming, debts in flight. No bank linking, no spreadsheet imports.
We do the math
Receivables × probability − fixed payments − reserve = your safe-to-use number. Updated live.
Coast with a copilot
Log moves by chat (web, Telegram, WhatsApp). The pilot recalculates and tells you if the trajectory changes.
What changes from your first Monday
No fluff: five concrete differences you feel in the first week.
Open 3 apps on Monday just to see your real cash
One number on the first screen
Cash a closing and burn it in 2 weeks
Lumfi splits your cash across the weeks ahead
Find out about surprises on the 28th
Alerted on the 8th when something is off
Accountant asks 'the June summary'
Monthly export in one click
Live with a nagging feeling something slips
Know what you can spend this week — guilt-free
Everything a CFO would build for you. Without the CFO.
Real cash, today
Not your bank balance. The cash that's actually yours after debts, taxes and commitments.
Month risk stoplight
Green / Amber / Red. So a glance tells you if next month will be tight.
AI chat to log moves
"Pagué Netflix 39 pesos" and the pilot updates everything. Works on Telegram, WhatsApp and web.
Receivables & payments
Who owes you, who you owe. Recurring or one-shot, in any currency.
Wealth modules
Investments, debts and savings goals — all weighted into your safe-to-use number.
Multi-currency, native
ARS, BRL, CLP, COP, MXN, PEN, UYU. FX rates auto-applied to give you one honest number.
Telegram. WhatsApp. Web. Your call.
Three seconds to log an expense. Two to ask "can I afford this?". Lumfi answers in the channel you already live in.
Which one are you?
Lumfi adapts to your kind of work. Pick the profile closest to yours and see which features matter most.
For you who's a freelance developer
Bill in USD, get paid in local currency. Want to know your real cash without juggling 3 apps.
Your balance isn't your spendable cash. Lumfi tells you how much you can use without breaking the month.
Free
Calculate your weekly insurance expense.
- Basic Onboarding
- Weekly Guaranteed Spending
- Monthly Traffic Light System
- Recurring Payments
- Basic Telegram
- Outstanding Payments
Fighter
Personal cash control
- All Free
- Actual cash flow explained
- Recurring income and expenses
- Weekly cash flow
- Exchange rate alerts
- Weekly summary
Prices shown are subject to local taxes. You can change or cancel your plan anytime from your account.