Lume: Net Worth & FIRE Tracker

Lume reads your bank statements on your device and works out each month from them. Every figure shows where it came from, down to the statement line. No bank login, ever.

Lume is a budget, net worth and financial independence (FIRE) tracker for iPhone and Mac. One purchase: no subscription, no ads, no tracking. Track your spending, your net worth, your savings rate and your road to financial independence, see when you can get there, and keep everything on your own devices.

Your statements, read on your device
Download a statement from your bank and Lume works out the month from it – read on your iPhone or Mac, never uploaded, no bank login.
• CSV, Excel (.xlsx), OFX, QFX and text PDFs, from any bank or broker – map a file’s columns once and Lume remembers
• Open a statement straight from Files, Finder, Mail or your bank’s app
• Every figure shows where it came from: the statement lines behind it, or the amount you typed
• Your broker’s export fills in your trade log

The monthly close
Once a month, Lume walks you through four steps: import your statements, categorise the lines – most arrive already suggested by your rules – type what no statement gives, like cash or a pension, and confirm. Before you confirm, the last step shows how the month moves your FIRE dates.

Know exactly where you are
• A dashboard that starts with your net worth and how it’s split, beside your FIRE milestones and the date and age you can reach each one
• Every account in one place, grouped by asset class – cash, stocks, crypto, property – with loans and mortgages beside them
• Spending and income each month against your 12-month average, with any category out of the ordinary flagged
• Where your net income went over the last year, and how your investments have done
• Progress toward your milestones – Lean, Barista, FIRE, Fat – at the safe withdrawal rate you choose

See when you can get there
Scenarios turn your numbers into a timeline. Lume fills one in from your last 12 months of income and spending, your latest balances and an expected return for each asset class – you only say when you plan to retire.
• The month and age you reach each milestone, Coast FIRE included, and whether the money lasts
• Events: a pension from 67, a new car every eight years, a year off – one amount, a repeat, or a change for a while
• A range of outcomes: 1,000 runs with returns that go up and down show how often your money lasts
• Lock a pension until the age it opens, set a tax on gains, and pay a loan down faster
• Compare two scenarios side by side, and see the cash flow of any year
• Scenarios update with every monthly close and keep what you changed by hand

iPhone and Mac, one purchase
Lume for iPhone is complete on its own. Lume for Mac comes with the same purchase, and sync keeps the two the same.

Optional sync we can’t read
Sync is off until you turn it on. When you do, your data is encrypted on your device before it leaves. What reaches our server is a block of ciphertext.
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