Lumio

What it does

Lumio is a private take on personal finance. It covers the whole picture, budgeting, spending by category, net worth, and debt payoff, without ever connecting to your bank. No Plaid, no account linking. You export a CSV or Excel file from your bank and import it, so your login stays with your bank and your data never lands on someone else's server. We don't sell it or track you, because the subscription is how we make money, not your spending.. $9/mth. or $90/yr. Free for the first 14 days.

Lumio is a private budgeting app with no bank logins. Import CSV or Excel. Use it on your desktop, or sync across web & mobile. Free 14-day trial.

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. Most finance apps make money from your data. Lumio makes money from you . Income, spending, debt and savings on a single dashboard — see exactly where you stand. Set a limit per category; the bars turn red the moment you cross the line, so nothing sneaks up on you. Compare avalanche against snowball and watch one extra payment pull the debt-free date closer. [PLACEHOLDER 1 - replace with a real quote from a beta tester.] [PLACEHOLDER 2 - replace with a real quote from a beta tester.] [PLACEHOLDER 3 - replace with a real quote from a beta…from lumioapp.io

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  RayApr 2026 · rayfinance.app · ▲298

  I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.

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  Lumio2020 · apps.apple.com · ▲24

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  Whisper MoneyNov 2025 · whisper.money · ▲47

  Hi HN, I built Whisper Money because I was frustrated that every personal finance app wanted full access to my bank credentials, fed my transactions into AI systems, or sold my spending data to third parties. Whisper Money takes a different approach: - *No bank credential sharing* - Import your transactions via CSV/XLS exports from your bank. No Plaid, no OAuth to your bank, no third-party integrations that can get breached. - *No AI snooping* - Your transactions are never fed into AI systems you don't control. - *No third-party data sharing* - Your financial data is never shared with…

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  Fainto: Private Budget TrackerJul 2026 · fainto.app · ▲5

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  FinzenJun 2026 · finzen.org · ▲3

  Over the years, I've tried pretty much every personal finance tool out there. Loved some, hated others, but in the end, I always came back to using my trusty google sheet. I needed something that combined YNAB's envelope budgeting with what a multi-asset portfolio tracker does. For me, your budget and your investments are linked. Obviously, never invest more than you can afford to lose - but how are you supposed to know how much that is for you without understanding your spending habits? So I built Finzen Finzen = budgeting + portfolio tracking + rich visual reports and stats Currently in…

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  ZerosumFeb 2026 · zerosum.so · ▲3

  I've been a YNAB user for years but couldn't justify $109/yr for an app where I never used bank sync. So I built my own. ZeroSum is zero-based budgeting (same envelope method) with a full YNAB import wizard — bring your entire budget history over. 50+ currencies, shared budgets, analytics, keyboard shortcuts. $40/yr. Stack: React (Vite + TanStack Router) on Cloudflare Pages, Hono + tRPC on Render. Happy to talk about the technical decisions. Try it free for 35 days: https://zerosum.so

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