AI for Spend
Lucid watches your spending so you don't have to.
A new charge you've never seen. A category climbing above your average. A recurring you stopped using months ago. Lucid surfaces what changed and asks if it should.
Features
Mapped to how you actually use your money.
Spend, invest, and plan ahead. Lucid covers all three, with AI woven through every screen.
Spend features
Transactions
Every account, auto-categorized, grouped by date, refunds tracked separately.
Monthly spending
How much you spent last month, this month, and where it went.
Budgets
Set targets per category. Track in real time. No spreadsheet required.
Debt payoff
Pick minimum, moderate, aggressive, or all-in. Watch the timeline shrink.
Cash flow
Income in, expenses out, surplus to savings. The shape of your month.
Category breakdown
Where your money actually goes, by tag, merchant, and trend.
Reports
Weekly recaps, monthly snapshots, custom ranges, year-over-year.
All this. One payment.
Lifetime access to every Lucid feature.
Pay once. Use it forever. Every feature you see here and every one we ship next.