Track your path to
financial independence
Lume is a private, offline-first FIRE tracker for macOS. Log your monthly finances, watch your net worth grow, and know exactly how close you are to retiring early.
Download on the Mac App StoremacOS 10.15 or later
Everything you need,
nothing you don't
Net worth tracking
Track bank accounts, stocks, crypto, real estate, and vehicles across all asset classes in one place.
FIRE progress
See your progress toward Lean FIRE, Full FIRE, and Passive Freedom — with configurable safe withdrawal rate.
Monthly review wizard
A guided 5-step flow to log income, expenses, and account balances. Takes just a few minutes each month.
Savings rate trends
12-month rolling averages for income and expenses, so you can spot patterns over time.
Live price fetching
Investment holdings are automatically valued using live market prices for stocks and crypto.
CSV & JSON backup
Export and import your data at any time. You always own your data — no lock-in.
Your finances are
nobody else's business
No account required
Open the app and start tracking. No sign-up, no email, no password.
Stored locally
All data lives on your Mac. Nothing is sent to any server.
No tracking
No analytics, no crash reporting, no third-party SDKs.
Works offline
No internet connection needed, except for optional live price fetching.