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Our Story

We got tired of being
the product.

Lumio started as an Excel spreadsheet. Two people in IT, frustrated with what personal finance apps were actually doing with their data, decided to build something better for the people around them.

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Lumio Personal Finance is a privacy-first desktop app for Mac and Windows that helps you track spending, manage debt, set savings goals, and monitor your net worth, without ever connecting to your bank. Instead of syncing your accounts automatically, Lumio lets you import transactions directly from your bank as a CSV or Excel file. Your financial data never leaves your device, no third-party aggregators, no behavioral tracking, no data sold to advertisers. Built by two people in IT who got tired of paying for budgeting apps that kept breaking, kept raising prices, and kept profiting from their users' financial data. Lumio is available at lumioapp.io with a free trial and a one-time purchase option.

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Started in Excel

My sister built the original tracker in Excel. A clean system for importing bank transactions, categorizing spending, and seeing where the month actually went. No bank login, no third-party access. Just a file that worked. We showed it to friends. They wanted it. So we built it into an app.

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Built around a principle

We're both in IT. We understand how data flows, what companies can do with it, and what "we don't sell your data" usually leaves out. Lumio is built around a single principle: your financial data should belong to you, not be a resource someone else profits from.

The Frustration Behind It

Most finance apps make money from your struggles.

There's something particularly frustrating about struggling to manage your finances while a company quietly builds a profitable business from the data you generated while struggling. You are both the customer and the product, and in that arrangement, the product usually gets the worse end of the deal.

When you connect your bank account to a budgeting app, you're handing over a detailed picture of your life to a company whose revenue doesn't depend on you succeeding financially. It depends on you staying engaged, clicking on financial product recommendations, and generating behavioral data that can be packaged and sold to advertisers.

We're not naive about how digital products work. Every free app needs to make money somehow. But there's a better way. When the product itself is the revenue, your data stops being a commodity and starts being something that's just yours.

That's what Lumio is built on. You pay for the tool. The tool helps you. Nothing else is happening with your financial information.

Coming in 2026

Web access, built the same way.

We built Lumio as a desktop app first because that's where serious financial tracking happens. You sit down, you go through your transactions, you look at the full picture. That intentional moment is part of what makes it work.

But we know not everyone works the same way, even when they have the same goal. Some people aren't always at their computer. Some prefer a browser. So we're building a web-based version of Lumio for people who want to check their budget while they're away from their desk.

We'll be straight about what that means technically: web access requires your data to live on a server. There's no way around it. What we can tell you is what we will and won't do with it. We won't sell it. We won't share it with third parties. We won't use it to build advertising profiles or recommend financial products for a referral fee. You'll be able to export it or delete it at any time.

The local desktop version, with no internet connection required, will always exist for people who want it. The web version is an option, not a requirement. You choose what works for your situation.

01

Your data belongs to you

No bank credentials. No third-party aggregators. No behavioral tracking for advertising. Your financial information is yours to keep, export, or delete.

02

Awareness over automation

The manual import workflow is intentional. When you go through your transactions yourself, you actually read them. What you pay attention to, you can improve.

03

Pay once, own it

A one-time purchase gets you a lifetime license. No annual renewals, no price increases, no subscription reminders. You pay once and the tool is yours.

Available now for desktop

Built for people who want
their finances back.

No bank login. No subscription required to get started. Try it free for 14 days, no card required.

Try Lumio free