Personal finance, privately

Watch your money
make sense.

Import a statement and Lumio sorts it in seconds — spending, debt payoff, savings — in one private view. No bank login — just the files you already have.

Get started See how it works

NO BANK LOGIN  ·  YOUR OWN FILES  ·  WEB, MAC & WINDOWS

Lumio dashboard on desktop Lumio on a phone
No bank login — ever. Your data, your rules. Import CSV or Excel. Desktop or cloud — your choice.

Most finance apps make money
from your data.
Lumio makes money from you.

What you get

Everything in one calm place.

Lumio app — Overview

↻ Loops through each view automatically — click a tab to explore

How it works

Up and running
in three steps.

STEP 1

Download

Download Lumio and open it. There's no account to set up and nothing to link. Available for both Mac and Windows.

STEP 2

Import

Export a CSV or Excel file from your bank and drop it in. You decide what goes in, and none of it leaves your device.

STEP 3

Make it yours

Use every feature free for 14 days. Then keep going the way that fits — buy the desktop app once, or subscribe to sync across web, mobile & desktop.

See your options

Desktop for macOS & Windows · Cloud on any browser.

Two ways to use Lumio — pick what fits.

Web + Mobile

Sync everywhere.

$9/mo

or $90/yr — two months free

  • Use it on web, mobile & desktop
  • Automatic sync across devices
  • Your data, encrypted — never sold
  • Free 14-day trial · cancel anytime
Start free trial

Desktop

Own it once.

$79one-time
  • Mac & Windows apps
  • Works completely offline
  • All data stays on your device
  • Free for the first 14 days
Download

Take back your finances.

Start free trial Download for desktop

Questions, answered

The things people ask before they start.

Does Lumio connect to my bank?

No. Lumio never asks for your bank login or credentials. You export a CSV or Excel file from your bank and import it yourself, and that data stays on your device.

Is Lumio a subscription?

Lumio comes two ways. Lumio Desktop is a one-time purchase you keep forever. Lumio Cloud is a $9/month (or $90/year) subscription that syncs across web, mobile, and desktop. Both start with a free 14-day trial.

What does Lumio cost?

Lumio Desktop is a one-time purchase of $79. Lumio Cloud is $9/month or $90/year. Every plan is free for the first 14 days, no credit card required.

What platforms does Lumio support?

Lumio Desktop runs on Mac and Windows. Lumio Cloud works in any modern browser and syncs across web, mobile, and desktop.

Where is my financial data stored?

With Lumio Desktop, only on your device — no account, works fully offline. With Lumio Cloud, your data is stored securely so it can sync across your devices; it is encrypted and never sold. Either way, Lumio never asks for your bank login.

Is there a free trial?

Yes. Every plan is free for 14 days with no credit card. After that you choose the desktop or cloud plan that fits.

How do I get my transactions into Lumio?

Export a CSV or Excel file from your bank and drop it into Lumio. It handles separate debit and credit columns or a single amount column.

How is Lumio different from YNAB, Monarch, or Mint?

Those apps require linking your bank accounts. Lumio never does — you import CSV or Excel files you control. And you choose how to pay: a one-time desktop purchase, or a low-cost cloud subscription.

Is this related to other apps named Lumio?

No. This Lumio, at lumioapp.io by Lumio App LLC, is a private budgeting app (desktop and cloud) with no bank connections. It is a separate product from other apps that share the name.

Can I export or delete my data?

Yes. You can export all of your data at any time and delete everything in one click.