Launch offer: save $10 with code LAUNCH10. Ends July 18.

Personal finance, privately

Your money.
Finally clear.

See exactly where every dollar goes, without handing your bank login to anyone. Your data stays on your device.

Try Lumio free

14-day trial. No card required.

Lumio dashboard showing a financial health score, debt-free date, spending by category, and monthly income versus expenses
No bank login required. All data on your device. One-time purchase. Works fully offline.

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

What you get

Everything in one
calm place.

Budgets that warn you early

Set a limit for each category, then see budgeted against actual at a glance. The bars turn red the moment you cross the line, so nothing sneaks up on you at the end of the month.

Budget charts comparing budgeted versus spent and percentage of budget used per category

A payoff plan with a real date on it

Add your debts and Lumio projects the month you'll be free of them. Compare avalanche against snowball, then watch one extra payment pull that date closer.

Debt reduction overview showing total debt, interest remaining, and projected interest savings

Goals you can actually see

Give each goal a target and a deadline, and Lumio tracks how much you've set aside against how much is left. Saving gets easier once the finish line is in view.

Savings goals charts showing progress by goal and amount saved versus remaining

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

Keep it

Use every feature free for 14 days. If Lumio earns a place in your week, it's a one-time payment with no subscription and no renewal.

$79 $69 one time

Launch price with code LAUNCH10

Buy Lumio

Available for macOS and Windows.

Take back your finances.

Try Lumio free

Questions, answered

The things people ask before they download.

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?

No. Lumio is a one-time purchase. You pay once and keep it, with no monthly fees and no renewals.

What does Lumio cost?

Lumio is a one-time purchase of $79. During launch it is $69 with code LAUNCH10 through July 18, 2026. Every feature is free for the first 14 days.

What platforms does Lumio support?

Lumio is a desktop app for both Mac and Windows, and both versions are available to download now.

Where is my financial data stored?

Only on your device. Lumio has no account to create and no server holding your data, and it works fully offline.

Is there a free trial?

Yes. You can use every feature free for 14 days with no credit card. After the trial it is a one-time purchase.

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 rely on linking your bank accounts and charge a monthly subscription. Lumio uses files you import, keeps everything on your device, and is a single one-time purchase.

Is this related to other apps named Lumio?

No. This Lumio, at lumioapp.io by Lumio App LLC, is a private, local-first desktop budgeting app 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.