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Marion Kesteloot

🚀 Introducing Recurring Charge by Lums AI: Never get surprised by a subscription again🚀

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Hey Product Hunt! đź‘‹

We’ve all been there: you look at your bank account and see a charge, but you can't tell if it’s a subscription you forgot about or just a grocery run. Tracking bills shouldn't be that annoying!

So, we built Recurring Charge to fix this.

It automatically separates your regular shopping from your actual recurring bills like monthly software, gym memberships, or bi-monthly invoices.

Even more with Lums AI

Once your recurring charges are set up, our AI actually analyzes them over time. It will automatically check your bills and alert you if any of your subscriptions have secretly raised their prices!

Everything you deserve to manage your money easily is right here on Lums AI 🚀

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Luisa Montañez

Exactly, and we tried to go a layer deeper than just “you have a subscription coming up.”

As users, we realized the real problem isn’t only remembering recurring charges. It’s understanding how those charges affect the month ahead: what’s already committed, what’s still flexible, and whether a small recurring increase quietly changes your financial picture.

With Lums AI, you can actually talk through those effects instead of just seeing a static reminder by asking things like how upcoming recurring charges impact your monthly budget, cash flow, or spending room.

Curious: what do you think is the most important thing people should understand about their recurring charges?

Bennett Ryan

@luisa_montanez Do you think people care more about convenience than financial visibility today?

Savannah Ross

@luisa_montanez Is "subscription fatigue" becoming a real thing now?

Luisa Montañez
@bennett_ryan Yes, I do think convenience often wins today, but from the research we’ve done, that’s not because people don’t care about financial visibility. What we’ve seen is that people care most about taking action toward their financial goals. Visibility is valuable, but mainly when it helps you make a better decision. That’s why we’re trying to go beyond simply showing recurring charges or sending reminders. With Lums AI, you can actually understand how those recurring charges affect your month ahead: what’s already committed, what flexibility you still have, and whether your spending is aligned with your goals.
Luisa Montañez
@savannah_ross1 Yes, I think it is. But I don’t think it’s only about having too many subscriptions. It’s more about not knowing how those recurring charges affect your month ahead. That’s why with Lums AI, you can talk through the impact; what’s already committed, what’s still flexible, and which charges may be working against your goals. Do you think the fatigue comes more from the number of subscriptions, or from the lack of clarity?
Anthony Roux

Co-builder here đź‘‹

This one is very personal to me. A few months ago I realized I'd been paying for a streaming service I forgot existed, for over a year. Right after that, a SaaS I actually use had quietly bumped its price twice without me noticing.

That's exactly what Recurring Charge fixes. The AI doesn't just list your subscriptions, it watches them over time and pings you when something changes. No more "wait, when did this become $19.99?" moments.

Marion and the team absolutely crushed this one.
Try it and tell us what you'd want next 🚀

Alper Tayfur

hello @marionkesteloot Really useful addition. Detecting recurring charges is already helpful, but flagging silent price increases over time is the part that can genuinely save people money without them constantly checking statements. Nice upgrade to Lums. 🚀