LumioPilot
TrackFin Demo
Demo Mode - Data resets periodically.
OverviewOverview first.
Period Current month
Net Position
$0.00
Assets and liabilities update after visibility loads.
Show breakdown
Net position detail appears after visibility loads.
Available to spend safely
$0.00
Free cash after reserves appears after visibility loads.
Show breakdown
Available to spend detail appears after visibility loads.
Card usage
No data yet
Usage and paydown guidance appear after visibility loads.
Show breakdown
Card details appear after visibility loads.
This Period
$0.00
Income, spend, and review totals follow the selected period.
Show breakdown
Period detail appears after reporting loads.
Next step
You're set up — now add activity
Add a bill, transaction, or import history to unlock forecasts.
Import transactions
Why?
LumioPilot has your checking balance, but it still needs activity before it can forecast cash risk with confidence.
Plan previewSimulation only
Cash $408.33 → -$408.33 · Cards $1,580.00 → $1,580.00
Recent activityNewest posted and pending movement
No transactions yet
Add your first transaction or import history to start tracking activity for this account.
Import CSV
Debug output
Trust layerneeds_review
low trust
score 0.55 · Current balance for Demo Everyday Card is missing.
Decision enginecomparison:hold_cash
Stay conservative
priority 1 · comparison:hold_cash
Preserve liquidity until balances and issues are clearer.
Use cash buffer
priority 2 · comparison:use_buffer
Transfer protected cash into available cash for this period.
Maintain current plan
priority 3 · comparison:do_nothing
What happens if you stay on the current path.
Pay later
priority 4 · comparison:delay_payment
Delay the payment until after the lowest cash date.
Transfer then pay
priority 5 · comparison:transfer_then_pay
Use protected cash to support the recommended card payment.
Pay now
priority 6 · comparison:pay_card_now
Reduce card usage with the recommended payment.
Plan simulation-816.66
408.33 → -408.33
Compare optionsStay conservative
Stay conservative
score -1185.24 · recommended
balances cash and card usage · 2 blocker(s) · can cause a shortfall
Use cash buffer
score -1219.58
balances cash and card usage · 2 blocker(s) · 1 warning(s) · keeps cash above zero
Maintain current plan
score -1445.24
balances cash and card usage · 2 blocker(s) · 2 warning(s) · can cause a shortfall
Pay later
score -2397.41
balances cash and card usage · 2 blocker(s) · 2 warning(s) · can cause a shortfall
Transfer then pay
score -2502.69
balances cash and card usage · 2 blocker(s) · 3 warning(s) · can cause a shortfall · reduces card usage
Pay now
score -2560.53
balances cash and card usage · 2 blocker(s) · 2 warning(s) · can cause a shortfall · reduces card usage
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