Salary comes in.
Then it disappears.
If you've ever opened your banking app at the end of the month and had no idea where the money went — this app was built for you. Stop the cycle of "earn → spend → owe → repeat" by finally seeing what's actually happening to your money.
- See exactly where every baht goes — without the spreadsheet headache
- Get out of debt faster with AI that does the math for you
- Know if you're on track for retirement, or how far off you are
Free forever · No credit card · Your data stays yours
Do any of these sound like you?
Most Thai households are stuck in at least one of these. You're not alone — and it's not your fault.
💸 "Where did my salary go?"
Payday felt great. A week later you're checking your balance with dread. You can't name 5 things you spent on this month.
💳 "My credit card never goes down"
You pay the minimum every month, but the balance barely moves. The interest is eating you alive — but the math is too scary to look at.
📈 "I budget, but I always overspend"
You set a number. You blow past it. You feel guilty. You give up. The next month it happens again.
🪙 "I can't seem to save anything"
End of the month: zero left. Or worse — owe more than last month. Emergency fund is still a dream.
📚 "I tried Excel, I tried other apps"
They wanted you to log every coffee. They didn't speak Thai. They couldn't see your full picture. You quit after 2 weeks.
👴 "I'm scared about retirement"
You know you should be saving more — but you don't know how much, or how, or where. So you don't.
I built Lumenfi because I was lost in the noise.
I watched people close to me — and myself — trapped in endless debt. Not from earning too little. From not seeing where money went, not understanding why it kept slipping, and having no plan to break free.
And debt was only one corner of the chaos. Should I be investing? How do I actually save? Do I need insurance, and how much? Tax — am I missing deductions? Every question pulled me in a different direction. So many directions, no compass.
That's where the name comes from. "Lumen" means light. Lumenfi is meant to be a single light in the dark — one that shows the path through the current of your money, instead of leaving you to guess.
— Founder, Lumenfi
One light. One path. All of your money.
Debt, savings, investments, insurance, taxes, retirement — they're not separate problems. They're one financial life. Lumenfi is the first place in Thailand that treats them that way, with one AI that sees the whole picture and tells you where to step next.
Debt — see when you're free
Savings — know how much, where, why
Investments — what to buy, when, in proportion
Insurance — exact gaps in life, health, CI
Tax — RMF/SSF/PVD optimized for you
Retirement — months until you can stop working
How Lumenfi breaks the cycle
Three things have to happen, in order. The app makes each one easy.
See where the money actually goes
Snap a receipt, log a payment, or import from your bank. In 30 seconds you have the truth: net worth, this month's flow, where you're leaking. No spreadsheet. No guilt.
Understand WHY it's happening
Your AI advisor connects the dots. It explains — in plain Thai — why you overspent, where your debt is bleeding you, and which 3 things would move the needle most this month.
Escape the debt trap on a real timeline
Lumenfi computes the exact months until debt-free using Avalanche or Snowball. Shows what extra ฿500/month does. Gives you a goal, not a vague feeling.
What you get on day one
What it looks like in practice
Actual screens. Real numbers. No mockups.
Your entire financial life in one screen
Net worth, this month's flow, debt progress, financial health score — all updated as you log. No more opening 4 banking apps to mentally add it up.
- Live net worth (assets − debts)
- Financial health score with weak spots flagged
- "Cash runway" — how long you'd last if income stopped
Log a transaction in 5 seconds — or snap a receipt
Tap category, type amount, done. Or photograph the receipt — AI fills the fields. The friction that killed your old habits is gone.
- Photo / receipt scan with AI extraction
- Multi-account: bank, cash, credit card
- Link a transaction to a savings goal in one tap
Know exactly when you'll be debt-free
Every debt, every interest rate, every option laid out. Avalanche vs Snowball vs Refinance — see the months and ฿ saved for each. AI tells you if a new loan is a trap.
- Flat rate, effective rate, revolving credit — all supported
- 60-month amortization with exact debt-free date
- "Should I take this loan?" AI answer with risk score
A budget that learns from how you actually spend
Lumenfi looks at your last 3 months and suggests realistic numbers. Warns you the moment any category crosses 100% — not at the end of the month when it's too late.
- 13 default categories + custom
- Real-time overrun alerts via push
- Pay-cycle aware (works on your salary date, not just 1-31)
Get a real answer in 8 dimensions
AI advisor analyzes your numbers and tells you: how much to save for retirement, whether your insurance has gaps, what tax deductions you're missing, and the top 5 fixes — ranked by impact.
- Debt strategy · Tax savings · Retirement plan
- Insurance gap check (life / health / CI)
- Emergency fund readiness + goal acceleration
Why Lumenfi, not Excel or those other apps
Four things that nobody else does together.
Built around Thai paychecks
Salary on the 25th? Pension on the 1st? Most apps force calendar months. Lumenfi follows YOUR cycle.
AI that knows YOU — not just a chatbot
AI Advisor 8 dimensions analyzes your actual numbers — debt strategy, tax savings, retirement, insurance gap. ChatGPT can't do this.
Your data is locked behind RLS
Supabase Row-Level Security. Even Lumenfi staff cannot read your records. Or use BYO key — your AI chats never touch our servers.
Free forever covers real life
Logging, budgets, debt, goals, investments, net worth — all free. Pay only if you want unlimited AI. No bait-and-switch.
Everything you need under one roof
Stop juggling four apps. Lumenfi keeps your whole financial life in one place.
Income & Expenses
Log transactions, scan receipts, upload photos, auto-categorize
Debt Management
Track every debt, calculate Avalanche/Snowball payoff strategies
Investments
Track stocks, funds, crypto, gold portfolios with real-time P/L
Financial Goals
Emergency fund, home down payment, retirement — track every goal
AI Advisor (BYO Key)
Bring your own API key and chat with AI for personalized advice
Net Worth Tracker
See your full financial health, DTI, savings rate, and score
AI Advisor 8 dimensions — free to start, upgrade anytime
Core features free forever. AI Advisor (our hero) free 1/month, or Pro unlimited.
- Log · accounts · debt · goals · investments · budgets
- AI Chat (BYO Key → unlimited)
- AI Advisor 8 dimensions — 1 report/month (taste)
- ⭐ AI Advisor 8 dimensions — UNLIMITED
- Unlimited AI Chat + AI Secretary push reminders
- Priority support · 14 days free, no card required
Are you a licensed insurance agent?
Lumenfi Agent Marketplace turns user insurance gaps into qualified leads. Manage prospects, send AI-drafted pitches, book meetings.
- Qualified leads routed by area + product fit
- AI-drafted sales pitch + INA report PDF
- Performance dashboard + LINE Notify integration
Built with security in mind
Common questions
Is it really free?+
Yes. Free covers all logging, budgeting, debt, goals, investments, and net worth tracking. AI gets a daily quota (or BYO key for unlimited).
Where is my data stored?+
Supabase (Postgres) in SEA-1. Every row is locked behind RLS — even Lumenfi staff can't read your records without an explicit support request.
Does it work in Thai?+
Built bilingually from day one. Switch with one tap. AI Advisor responds in Thai by default.
Can I use it on my phone?+
Install as a PWA (Add to Home Screen) from any modern browser. Works offline for basic logging, syncs when back online.
Stop the cycle. Start today.
Your first transaction takes 30 seconds. Your first AI advisor report takes 60. The control comes immediately.
Create my free account30-second signup · email + password or Google · no credit card · cancel anytime