Every feature, forever
Today's product and every future release.
Lucid Finance: the AI personal finance app for your money
The AI built for your money. Every account, every dollar, all in one place.
$99one time
$199Limited to the first 1,000 founding members.
Financial clarity, finally.
Financial health
One score for your whole financial life.
Your financial health score rolls spending, saving, debt, investing, and planning into one clear signal.
- Spending
- Saving
- Debt
- Investing
- Planning
Retirement readiness
See how ready retirement looks.
One number for how on-track your retirement planning is, recalculated as your money moves.
- Live recalculation
- Milestone targets
- What-if scenarios
Financial health
One score for your whole financial life.
Your financial health score rolls spending, saving, debt, investing, and planning into one clear signal.
- Spending
- Saving
- Debt
- Investing
- Planning
Retirement readiness
See how ready retirement looks.
One number for how on-track your retirement planning is, recalculated as your money moves.
- Live recalculation
- Milestone targets
- What-if scenarios
Ask anything.
Lucid AI, your AI financial assistant, turns your questions into answers grounded in your real financial data, instantly.
5 real examples
Connect all your accounts in one place, secured by Plaid.
Every account. One place.
Secured by
Net worth
Your money at a glance.
A net worth tracker with scores, balances, and budgets. The morning check that takes 30 seconds.
- Total across cash, investments, and debt
- Trend against last month at a glance
- Lucid AI surfaces what changed
Net worth
$0
+8.4%
Balances
Cash and savings$24,180
Investments$96,420
Debts$4,820
Lucid AI
Your net worth is up $9,600 this month.
Total portfolio
$0
+$18,900 (+24.4%) this year
Holdings
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Bitcoin
BTC
+42.0%
V
Vanguard S&P 500
VOO
+18.0%
A
Apple
AAPL
+26.0%
Investments
Watch every dollar grow.
Investment tracking across every brokerage, a portfolio tracker with holdings, allocation, and rebalance alerts when you drift from target.
- Brokerage balances in one total
- Holdings and allocation in context
- Rebalance alerts when targets drift
Transactions
Newest
Apr 2, 2026
V
Vanguard VTI
Auto-invest
$500
B
Blue Bottle Coffee
$6.50
Apr 1, 2026
$
Payroll deposit
+$4,250
R
Rent · April
$1,850
%
HYSA interest
+$32.18
Transactions
Every dollar, categorized.
Expense tracking, auto-tagged and color-coded, grouped by date. Pending and posted, the start of smarter budgeting.
- Smart categories that learn your habits
- Refunds and reversals tracked separately
- Search and filter across every account
Reports
See where your money flows.
Spending reports, income in, expenses out, surplus to savings. The shape of your budget, month to month.
Reports · Last 4 months
Total income
$32,400
Total expenses
$19,580
IncomeExpenses
Net +$12,820
- Side-by-side income and expense by month
- Net flow surfaced at the bottom
- Drill into any month for the breakdown
Recurring
Never get blindsided by a charge.
A subscription tracker that maps every recurring charge and bill to a calendar. Lucid AI flags the ones you've stopped using.
- Auto-detected from your transactions
- Monthly calendar with a tap-to-cancel path
- Lucid AI catches the ones you forgot about
Recurring · April 2026
$49 / mo
M
T
W
T
F
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Lucid AI insight
You haven't opened Hulu in 47 days. Cancel to save $18.99 a month.
Upcoming
N
Netflix
Due Apr 12
$17.99
S
Spotify Family
Due Apr 15
$16.99
i
iCloud+ 2TB
Due Apr 18
$9.99
Forecast
See your future before you live it.
Financial forecasting across decades: a net worth projection, cash flow, and probability of success for any scenario you and Lucid AI build.
Future
ForecastingRetirement
Scenario 1
Today
$128,450
Age 65
$1.6M
Net worth AI summary
At your current savings rate, you reach $1.6M by age 65. Comfortable retirement with $5,800 a month in today's dollars.
- Three lenses on the same plan
- Lucid AI summary written for each scenario
- Toggle assumptions, watch the line move
Set payoff goal
$245 / mo
Chase Sapphire Reserve
Payoff
3.2 yrs
Interest
$2,682
Debt-free
Aug 2026
Lucid AI insight
You go debt-free 27 months faster than the minimum.
Debt
Pick a payoff plan, see it land.
A debt payoff planner you can slide from minimum to moderate, aggressive, and all-in. Watch the timeline shrink.
- Four scenarios from minimum to all-in
- Months and interest shown for each
- Lucid AI tells you the trade-off in one line
What you get
Everything Lucid. For life.
One payment unlocks all of Lucid, the complete AI personal finance app, every feature now and forever. No tiers, no upsells, no renewals.
Unlimited connections
12,000+ banks and brokerages, no caps.
All AI features
Insights, forecasts, scenarios, coaching.
Founding member status
In-app badge plus early access to new features.
Founding member · 1,000 limit
Lock in lifetime access.
Pay once today. Never see a renewal email again.
$99$199
one time payment
30-day refundSecure checkoutBank-level encryption