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
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.
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.
Free forever for the basics. Pay only for the AI muscle.
Control
Start with the essentials. Your cash, receivables and safe limit.
- FX alerts
- Basic reports
- Telegram bot
- Weekly digest
- Recurring movements
- Weekly cash-flow
Prices shown are subject to local taxes. You can change or cancel your plan anytime from your account.