Lucid

Know where your money stands.

Budget, track every account, and ask AI anything about your money. All in one app.

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Lucid home screen showing a net worth of $428,650 with a one year chart, health and retirement scores, Lucid AI and monthly budgets

Lucid AI

Ask AI about your money.

Ask it anything. Where did my money go? Can I afford this trip? Lucid answers from your real accounts.

Budgeting

Budget with ease. Budget with AI.

Lucid budget for October showing $960 spent of a $4,800 budget

Every dollar, accounted for.

  • A budget built for you. Lucid looks at your last six months of income and spending, then recommends a budget with money set aside for your goals.

  • Every category, covered. 28 built-in categories, from groceries and gas to pets and travel, so every purchase lands in the right place on its own.

  • Lucid payoff goal for a Rocket Mortgage home loan: paying $2,800 a month makes it debt-free by January 2041, 7 years 8 months sooner, with $102,669 less interest and $1,460 left for goals

    Pay off debt sooner. Set a payoff goal for any loan or card and it goes straight into your budget, so you can see what you can afford, when you’ll be debt-free and how much interest you’ll save.

  • Every transaction, in one place. Purchases from all of your accounts in one feed, already sorted, with transfers kept out of your spending.

  • Lucid spending breakdown showing $4,713.62 spent this month by category

    See where it all goes. Spending broken down by category for the month, so you can spot what's growing before it surprises you.

  • What do you want to focus on? Pay off debt, invest more, save more or stay balanced. Pick a focus and Lucid shapes your budget around it.

Health and retirement scores

Healthy today. Wealthy tomorrow.

Two numbers that show how healthy your money is and whether you're on track to retire.

85%

Financial Health Score

A score from 0 to 100 that tells you how you’re doing financially right now, all in one number. The higher it is, the healthier your money, so you always know where you stand.

122

Retirement Readiness Index

A score from 0 to 155 that shows how prepared you are right now for the retirement you want. At 100 you’re on track, and anything above 100 means you’re ahead.

Connected accounts

Every account. All in one place.

Sync with 12,000+ banks, cards, loans, brokerages and crypto apps, connected securely through Plaid.

Investments

Know what you own. And how it’s doing.

Your 401(k), IRAs, brokerage and crypto in one portfolio, from the total all the way down to a single share.

  • Every account, one total. Your 401(k), Roth IRA, brokerage and crypto add up to a single portfolio, with the line they make together.

  • Down to the position. Every holding from every account in one list, sorted by what actually moved this week.

  • One position, in full. What it’s worth, what you paid, what it has returned and how much of your portfolio it is. The same read for a coin, a stock or an index fund.

Recurring and Partner Mode

Plan ahead. Plan together.

Recurring

Know what’s coming. Every bill, subscription and paycheck in one place, with what’s due next and what’s left over each month.

Lucid Recurring: $6,500 of $6,500 in income, $2,118 of $2,774 in expenses and +$3,726 net recurring, with an American Express payment due tomorrow, then Verizon, Netflix and Hulu

Partner Mode

Invite your partner. You each keep your own login and see the same picture of your money, with one budget for the two of you.

Included with Lucid Pro.

Pricing

Unlock everything Lucid can do.

Unlimited accounts, Partner Mode, full health and retirement scores and the most Lucid AI.

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Lucid home screen showing a net worth of $428,650, up $58,620 over the past year, with health and retirement scores
Lucid

Financial clarity, finally.