Lucid

Lucid

The AI built for your money. Every account, every dollar, all in one place.

$99one time
$199

Limited to the first 1,000 founding members.

Financial clarity, finally.

Financial health

One score for your whole financial life.

Lucid rolls spending, saving, debt, investing, and planning into one clear signal. It helps you see what is steady and what needs attention.

  • Spending
  • Saving
  • Debt
  • Investing
  • Planning

Retirement readiness

See how ready retirement looks.

This index runs to 155 by design, so being well ahead can show up clearly. It weighs the parts that shape durable income.

  • Real-time recalculation as your accounts move
  • Personalized milestones to reach the next tier
  • What-if scenarios for early retirement and major life events

Ask anything.

Lucid AI turns your questions into answers grounded in your real financial data, instantly.

5 real examples

Every account, one place

Every account. One place.

Secured by

Net worth

Your money at a glance.

Net worth, 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

+$487 (+0.51%) today

Holdings

â‚¿

Bitcoin

BTC

+1.4%

V

Vanguard S&P 500

VOO

+0.8%

A

Apple

AAPL

+2.3%

Investments

Watch every dollar grow.

Total portfolio across every brokerage, 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

Connect + Recap

Bring it all together, in two minutes.

Every account through Plaid. A weekly recap that connects the dots.

Connect

Connected accounts

9 active
Secured by

12,000+ institutions through Plaid.

Recap

Weekly recap

Spending · Apr 4–10

You spent $1,247 this week

Down 12% from last week's $1,418

Highlight

$1,247

Good progress
Delivered every Sunday morning

Sunday morning, every week.

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

Mar 30, 2026

T

Trader Joe's

$76.42

↻

Amex cashback

+$47.20

Transactions

Every dollar, categorized.

Auto-tagged, color-coded, grouped by date. Pending and posted, always up to date.

  • Smart categories that learn your habits
  • Refunds and reversals tracked separately
  • Search and filter across every account

Reports

See where your money flows.

Income flows in, expenses flow out, surplus drops to savings. The shape of your month, at a glance.

Reports · Last 4 months

Total income

$32,400

Total expenses

$19,580

Income and expenses by monthA four month grouped bar chart showing income near eight thousand dollars and expenses near five thousand dollars each month.JanFebMarApr
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.

Every subscription, bill, and recurring charge mapped to a calendar. Lucid flags the ones you've stopped using.

  • Auto-detected from your transactions
  • Monthly calendar with a tap-to-cancel path
  • AI catches the ones you forgot about

Recurring · April 2026

$49 / mo

M
T
W
T
F
S
S
1
2
3
4
5
6
7
8
9
10

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.

Project net worth, cash flow, and probability of success across decades. Run any scenario your imagination and our AI can build together.

Future
ForecastingRetirement
Scenario 1

Today

$128,450

Age 65

$1.6M

Projected net worthA line chart rising from today to a projected $1.6M at age 65.TodayAge 40Age 65

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
  • AI summary written for each scenario
  • Toggle assumptions, watch the line move

Set payoff goal

$245 / mo

Chase Sapphire Reserve

Debt payoff curveA payoff curve that shortens as monthly payments become more aggressive.

Payoff

3.2 yrs

Interest

$2,682

Debt-free

Aug 2026

Lucid AI insight

You go debt free 27 months faster than minimum.

Debt

Pick a payoff plan, see it land.

Slide between minimum, moderate, aggressive, and all-in. Watch the timeline shrink.

  • Four scenarios from minimum to all-in
  • Months and interest shown for each
  • AI tells you the trade-off in one line

What you get

Everything Lucid. For life.

One payment unlocks every current and future feature. No tiers, no upsells, no renewals.

Every feature, forever

Today's product and every future release.

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