Lumio - See all your money. Link none of your accounts.

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.

Hey Product Hunt, I'm Gagan, the founder of Blue Rock Management, and Lumio is what I've been building lately. It started with a simple frustration. After Mint shut down, every replacement I tried wanted to log into my bank through Plaid. I didn't want a third party holding standing access to my accounts just to see where my money was going, so I built the money app I actually wanted to use. Lumio does the full personal-finance picture, budgeting, spending, net worth, debt payoff, but it never connects to your bank. You bring a CSV or Excel export, Lumio does the rest, and your data stays yours. No selling it, no tracking, no ads. If you want to keep everything off the cloud entirely, there's a desktop version that runs fully local. Honest about the tradeoffs: importing is manual, about 5-10 minutes a month, and right now it's built for US statement formats. I'd genuinely love your feedback on the import flow and the privacy model. Tear it apart. Thanks for taking a look

Lumio - See all your money. Link none of your accounts.

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