Reports that explain
Spending analysis, cash flow and financial health — with trend arrows against your trailing 3-month average, not just last month.
AI wealth assistant · iOS & Android
Illuminate your financial future.
An assistant that reads your whole financial picture and tells you what actually matters this month. Spend with clarity, budget with honesty, grow with intention.
Calm, clear and ready whenever you are.
VoiceJust say what you spent and Finlume logs it for you
0–100One simple score that shows how healthy your money is
AnywhereKeep tracking on the go, even without a connection
Ringgit-firstSet up for ringgit from day one
01 · What Finlume does
The daily glance, not a data dump.
Every screen answers one real question — where am I, am I on pace, and what should I notice today.
Voice expense
Just say what you spent.
“Spent 25 ringgit on lunch at mamak.” Finlume turns it into an amount, category, merchant and date — and shows every field for you to confirm.
- Watch your words appear as you speak
- You review every detail before anything is saved
- Understands natural phrases like “rm120 groceries yesterday”
- Prefer typing? Adding an expense takes just a few taps
Budgets & goals
Plans that stay honest.
See your real historical average while you set a limit, so budgets are realistic instead of aspirational — then watch your pace, not just your balance.
- Daily, weekly or monthly budgets with a clear “on track” or “spending fast” signal
- See at a glance whether you’re on pace, and what tipped you over
- Goals that tell you exactly how much to save each month
- Gentle alerts before you overspend, not after
Everything else
A full picture, in every direction.
Cash flow & runway
Income against expenses by month, plus how long your balances last at your current burn rate.
Recurring, detected
Subscriptions and repeating income show up with their annualised cost, so nothing quietly drains you.
One insight, well chosen
A single specific sentence from your own data on the home screen — dismissible, and never generic filler.
Wealth, informational
Holdings, markets and a feed of ideas with sources and timestamps — what’s happening and why people are watching it.
Export when you need it
Take your reports out as CSV or PDF for tax season, a loan application, or your own spreadsheets.
02 · Financial health
A score you can actually audit.
Your 0–100 score is a weighted sum of six habits. No black box: every component shows how it was calculated and one concrete action to improve it.
The score measures spending behaviour. It is not an investment recommendation.
Savings rate 25%
Budget adherence 25%
Spending volatility 15%
Emergency-fund coverage 15%
Debt ratio 10%
Goal progress 10%
03 · Finlume AI
Ask your money a question.
“Can I afford a RM 1,200 trip in December?” “What can I cut back on?” Finlume AI answers in plain language and shows its work.
- Answers come from your own records, so they’re specific to you, never generic
- Helpful suggestions and follow-ups, plus quick actions like creating a budget
- Handy for everyday questions, even when you’re offline
04 · Peace of mind
Made to be trusted, day after day.
Numbers you can rely on
Every amount is exact down to the sen, so what you see always adds up.
Always with you
No signal? No problem. Keep logging and Finlume catches up when you’re back online.
Yours alone
Secure sign-in with fingerprint or face unlock keeps your finances private.
Easy on everyone
Comfortable text sizes, screen-reader support and calm motion. Dark by default, light whenever you like.
Not financial advice. Finlume’s wealth section surfaces market information and general educational content only. It never tells you to buy, sell or hold a specific security. Prices may be delayed, and past performance is not indicative of future results. Consult a licensed adviser for personal advice.
05 · Questions
Good to know.
Which platforms does Finlume support?
Finlume is built for iOS and Android. Join the early-access list below and we’ll let you know as each store release goes live.
Does Finlume connect to my bank?
Not today. You add expenses and income yourself — by keypad or voice — so you stay in control of what’s recorded.
Do I need a connection to use it?
No. You can keep tracking while you’re offline, and Finlume catches up automatically when you’re back online.
How does the AI assistant know my situation?
It works from your own records, so every answer is based on your real income, spending, budgets and goals rather than generic tips.
Is the wealth section investment advice?
No. It’s informational and educational — what’s happening in markets and where ideas came from, with sources and timestamps. Finlume never instructs you to buy, sell or hold anything.
What currencies are supported?
Finlume is ringgit-first, so everything is set up for MYR from day one.
See where your money is heading.
Finlume is on its way to the App Store and Google Play. Be first in line.
Coming soon to theApp Store
Coming soon toGoogle Play