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ChatGPT vs Lumo

Features, pricing, ratings, and pros and cons, side by side.

ChatGPT logo

ChatGPT

OpenAI's AI assistant for writing, research, coding, image generation and voice chat

4.0(1 review)Freemium
Visit websiteView details

Verdict

ChatGPT and Lumo are both AI Assistants tools. ChatGPT scores higher in FinderAtlas's editorial review (8.9 vs 7.6 out of 10). Both have a free plan or trial. Only ChatGPT is available on Windows and macOS.

Best overall

ChatGPT

  • Students
  • Writers
  • Software Developers
  • Researchers

Choose ChatGPT if

  • You want a tool built for everyday questions, drafting and editing text, summarizing documents, coding help, data analysis and image generation in one assistant.
  • One assistant covers text, voice, images, file analysis, search and coding.
  • Free tier lets users try the service without a card.

Choose Lumo if

  • You want a tool built for everyday AI chat, web-assisted questions, document and image work without conversation logging or training on user data.
  • Zero-access encryption on saved chats, with a stated no-logging policy.
  • Open-source code and open-source models that can be inspected.
Best for beginners
ChatGPT
Best for business
ChatGPT

Features

16 features compared.

  • Chat with web search
    ChatGPT
    Available
    Lumo
    Not available
  • Voice mode
    ChatGPT
    Available
    Lumo
    Not available
  • Image generation
    ChatGPT
    Available
    Lumo
    Not available
  • File and image analysis
    ChatGPT
    Available
    Lumo
    Not available
  • Projects
    ChatGPT
    Available
    Lumo
    Available
  • ChatGPT agent
    ChatGPT
    Available
    Lumo
    Not available
  • Codex
    ChatGPT
    Available
    Lumo
    Not available
  • Connectors and apps
    ChatGPT
    Available
    Lumo
    Not available
  • Zero-Access Encrypted Chats
    ChatGPT
    Not available
    Lumo
    Available
  • Open-Source Models
    ChatGPT
    Not available
    Lumo
    Available
  • Web Search
    ChatGPT
    Not available
    Lumo
    Available
  • Image Generation and Editing
    ChatGPT
    Not available
    Lumo
    Available
  • Custom Lumos
    ChatGPT
    Not available
    Lumo
    Available
  • Proton Drive Integration
    ChatGPT
    Not available
    Lumo
    Available
  • Guest Mode
    ChatGPT
    Not available
    Lumo
    Available
  • Memory and Personalization
    ChatGPT
    Not available
    Lumo
    Available

Pricing

Plans as listed by each vendor. Check their sites for current prices.

  • Pricing model
    ChatGPT
    Freemium
    Lumo
    Freemium
  • Free plan
    ChatGPT
    Yes
    Lumo
    Yes
  • Starting price
    ChatGPT
    $0
    Lumo
    $0
  • Plans
    ChatGPT
    8 plans
    Lumo
    2 plans

ChatGPT plans

  • Free

    $0

    Limited access to OpenAI's models for everyday use

    • Limited messages
    • Limited file uploads
    • Limited image generation
    • May show ads in some regions

  • Go

    $8/month

    Low-cost plan with more usage than Free

    • More messages than Free
    • More uploads and image generation
    • May show ads

  • Plus

    Most popular

    $20/month

    For individuals who want more capable models and higher limits

    • Access to more advanced models
    • Projects
    • Expanded Codex
    • Higher limits for research and voice

  • Pro 100

    $100/month

    High-volume use for research and coding

    • About 5x Plus usage
    • Everything in Plus

  • Pro 200

    $200/month

    Higher usage than Pro 100

    • About 20x Plus usage
    • Everything in Plus

  • Pro 500

    $500/month

    Highest usage tier

    • Highest usage limits
    • Ultrafast model variants
    • Everything in Plus

  • Business

    $25/user/mo

    For small teams, with a two-seat minimum

    • Shared workspace
    • Admin controls
    • Business data not used for training by default

  • Enterprise

    Custom/user/mo

    For large organizations, priced by contract

    • Single sign-on
    • Admin and security controls
    • Dedicated support

Lumo plans

  • Lumo Free

    $0

    Limited free access, no credit card required

    • Limited Max model usage
    • limited messages and chat history
    • limited image generations
    • 1 Project

  • Lumo Plus

    Most popular

    $12.99/month

    Individuals who want higher limits

    • More Max model usage
    • more messages and chat history
    • more image generations
    • unlimited Projects
    • unlimited Custom Lumos

Our ratings

Scored out of 10 by the Finder Atlas editorial team. Last reviewed October 2026.

ChatGPT
8.9overall
Lumo
7.6overall

  • General Reasoning & Logic

    ChatGPT
    9.0
    Lumo
    Not rated

  • Conversational Fluency

    ChatGPT
    9.2
    Lumo
    Not rated

  • Coding & Data Analysis

    ChatGPT
    8.8
    Lumo
    Not rated

  • Multimodal Processing

    ChatGPT
    9.0
    Lumo
    Not rated

  • Ecosystem & Integrations

    ChatGPT
    8.7
    Lumo
    Not rated

  • Ease of Use

    ChatGPT
    Not rated
    Lumo
    8.5

  • Feature Depth

    ChatGPT
    Not rated
    Lumo
    7.0

  • Value for Money

    ChatGPT
    Not rated
    Lumo
    7.5

  • Performance & Speed

    ChatGPT
    Not rated
    Lumo
    7.2

  • Documentation & Support

    ChatGPT
    Not rated
    Lumo
    7.8

Scores weigh documented features, plan value, platform coverage, integrations and user feedback. A missing score means we have not rated that area yet.

Pros and cons

ChatGPT

Pros

  • One assistant covers text, voice, images, file analysis, search and coding
  • Free tier lets users try the service without a card
  • Apps for web, iOS, Android, macOS and Windows with synced history
  • Large ecosystem of connectors, projects and agent features
  • Plans range from $8 to $500 per month, so users can match spend to usage

Cons

  • Free and Go usage limits are low and may include ads
  • Pricing and model lineup change often, which makes limits hard to compare over time
  • Answers can be wrong and need checking, especially for facts and citations
  • The top Pro tiers cost $100 to $500 per month

Lumo

Pros

  • Zero-access encryption on saved chats, with a stated no-logging policy.
  • Open-source code and open-source models that can be inspected.
  • Permanent free tier with guest access and no credit card.
  • Web, iOS and Android apps.
  • Run by Proton AG, a Swiss company, and stated to comply with GDPR.

Cons

  • Free chat history is kept for only 7 days.
  • Uses open-source models rather than the proprietary frontier models of larger rivals.
  • No desktop app or public API found.
  • Lumo Plus limits are described only as "more" than Free, not as numbers, and the plan costs $12.99/month ($9.99/month billed annually).

Platforms

  • Web
    ChatGPT
    Supported
    Lumo
    Supported
  • Windows
    ChatGPT
    Supported
    Lumo
    Not supported
  • macOS
    ChatGPT
    Supported
    Lumo
    Not supported
  • iOS
    ChatGPT
    Supported
    Lumo
    Supported
  • Android
    ChatGPT
    Supported
    Lumo
    Supported
  • API
    ChatGPT
    Not supported
    Lumo
    Not supported
  • Browser Extension
    ChatGPT
    Not supported
    Lumo
    Not supported

Integrations

ChatGPT

2 integrations
  • Gmail
  • MCP connectors

Lumo

1 integration
  • Proton Drive

Company

  • Company
    ChatGPT
    OpenAI
    Lumo
    Proton AG
  • Founded
    ChatGPT
    2015
    Lumo
    2014
  • Headquarters
    ChatGPT
    San Francisco, CA
    Lumo
    Geneva, Switzerland
  • Listing
    ChatGPT
    Claimed
    Lumo
    Claimed

Frequently asked questions

Is ChatGPT better than Lumo?

It depends on your workflow. ChatGPT is built for everyday questions, drafting and editing text, summarizing documents, coding help, data analysis and image generation in one assistant. Lumo is built for everyday AI chat, web-assisted questions, document and image work without conversation logging or training on user data.

What are the key feature differences between ChatGPT and Lumo?

ChatGPT: OpenAI's AI assistant for writing, research, coding, image generation and voice chat. Lumo: Privacy-first AI assistant from Proton with zero-access encrypted chats and no logging. ChatGPT is rated 4.0/5 from 1 user review.

Does ChatGPT or Lumo have a free plan?

Yes, both do. ChatGPT is freemium and Lumo is freemium, and each has a free plan or trial.

Which is cheaper, ChatGPT or Lumo?

Both can be used for free. Paid plans differ in limits and features, so compare the tiers in the pricing table above.