iPhone · iOS 17 or later · Free for 2 weeks
Alumbus is a cash-flow forecasting app for iPhone. It takes the money you have and the money you know is coming, and fills in every day ahead — so a shortfall shows up weeks before it arrives.
No account. No bank connection. Your figures stay on your phone.
A closer look
The calendar
Each day carries what goes in, what goes out and the balance you are left with at the end of it. Days that breach a limit are marked where they fall, so a problem is a square on a calendar rather than a surprise.
The forecast
Thirty days, ninety days, six months or a year, with the lowest and highest points named and dated. Alumbus tells you when an account is forecast to cross a warning level, an arranged overdraft or a credit limit — weeks before it does.
Accounts and groups
Current accounts, savings, credit cards, loans. Group them — “Everything at the bank”, “What I owe” — and see any group’s combined position. Credit cards and loans can show as an amount owed rather than a negative number.
A day in detail
Tap a day to see exactly what falls on it, and tell Alumbus what an account really held. It shows the difference against what it expected and restarts the forecast from your figure, so small errors never pile up.
The repayment calculator
A credit-card balance is two debts: instalment plans already on a schedule, and the revolving balance charged interest every month it survives. Alumbus works out the figure in between, and shows each plan statement by statement.
Privacy
This is not a policy written after the fact. It is how the app is built: there is no server for your figures to go to.
No account, no sign-inThere is no server. Nothing to register for.
No bank connections, everAlumbus never asks for banking credentials, and could not use them if it had them.
Your figures stay on your deviceWritten to the app’s own storage, and nowhere else.
No analytics or trackersNo advertising SDKs, no identifiers, no crash reporting, no pixels.
Nothing sold or sharedWe hold nothing about you, so there is nothing to sell.
One optional requestPublished exchange rates, carrying nothing but currency codes. Switch it off and the app makes none at all.
How it works
It is a forecasting tool, not a bookkeeping app. You do not photograph receipts or categorise last month’s spending.
Salary, rent, a subscription. Added once, and Alumbus works out which day each one lands on from then on — weekends and short months included.
Whenever you check your bank, tell Alumbus the figure. The forecast restarts from it, so small errors never pile up.
Every day shows what goes in, what goes out and what you are left with at the end of it. Warnings arrive with a date and a figure, days or weeks early.
The real thing
Captured from the app itself with its example data loaded. Nothing here is a mock-up.
In the app
Income, expenses and transfers between accounts, with real recurrence: weekly, monthly, yearly, day-of-month with month-end clamping, weekend rules, skip a single occurrence, or override one.
A transfer whose amount is what another account owes — pay off whatever the card owes on the statement before payday. It reads the balance on the day the statement is cut, not the day the money moves.
Optional. Locks Alumbus whenever it goes to the background. The app receives only a yes or no — never your biometric data.
Optional local reminders before a forecast breach, and a nudge when an account has gone too long without a confirmed balance. Generated on your device; no push service is used.
Separate sets of books — personal and a side business, say — each with its own accounts, its own colour, and its own optional Face ID lock.
Write a backup file you control, and export planned transactions, balance history or the day-by-day forecast as CSV.
Plainly
Pricing
Start with a 2-week free trial on either subscription, or buy Alumbus outright. Every plan is the whole app — nothing is held back.
£0.99/month
2 weeks free, then billed monthly. Cancel any time.
Best value
£9.99/year
2 weeks free, then billed once a year. Cancel any time.
£14.99once
One payment. Yours to keep, with nothing to renew.
UK prices, including VAT. Other countries are charged the App Store’s equivalent in local currency, shown in the app before you confirm. The free trial is available once per Apple Account. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the period; manage or cancel them in your iPhone’s Settings. Payments and refunds are handled by Apple.
Alumbus is an iPhone app from Alumbus Labs. Free for 2 weeks. No account to make, nothing to connect, nothing to hand over.