Lumio: Private Budgeting App — No Bank Login, Desktop or Cloud

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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

No bank login — ever.<br>Your data, your rules.<br>Import CSV or Excel.<br>Desktop or cloud — your choice.

Most finance apps make money<br>from your data.

Lumio makes money from you.

No bank credentials stored

No third-party data sharing

No behavioral tracking

No ads, ever

Full data export anytime

Delete everything in one click

What you get

Everything in one calm place.

Overview<br>Budget<br>Debt payoff

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

Everything in one calm view

Income, spending, debt and savings on a single dashboard — see exactly where you stand.

Budgets that warn you early

Set a limit per category; the bars turn red the moment you cross the line, so nothing sneaks up on you.

A payoff plan with a real date

Compare avalanche against snowball and watch one extra payment pull the debt-free date closer.

Early users

From the first<br>people in.

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How it works

Up and running<br>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<br>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.

$79 one-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<br>Download for desktop

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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.

© 2026 Lumio App LLC<br>lumioapp.io

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Full 60-second product tour coming soon.