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Introducing Lume

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Updated September 2026. This is the launch post from May, and Lume has moved on since. It is now on iPhone as well as the Mac, one purchase for both. Since 2.0 it works each month out from your bank and broker statements instead of asking you to type the figures in, so every number shows where it came from. The monthly close shows how it works today.

After months of building and refining, I’m excited to introduce Lume - a private, offline-first FIRE tracker built exclusively for macOS.

Why I built it

Tracking progress toward financial independence shouldn’t require handing your financial data to a third-party cloud. Most tools available today require an account, sync your data to their servers, and monetize your attention with ads or upsells. Many charge a monthly subscription on top of that.

Lume takes the opposite approach: everything stays on your Mac by default, and there’s no account to create. Sync across devices is optional, and end-to-end encrypted when you turn it on. And it’s a one-time purchase, no subscription required. You pay once, own it forever.

What Lume does

Once a month, Lume walks you through your income, spending and account balances. It calculates your savings rate, updates your net worth, and shows you where you stand against your FIRE targets.

  • Net worth tracking across all asset classes: cash, stocks, crypto, property, and more
  • FIRE progress toward Lean FIRE, Barista FIRE, FIRE, and Fat FIRE milestones
  • Savings rate trends with 12-month averages
  • Live price fetching for stocks and crypto (optional - the app works fully offline)
  • CSV & JSON export so you always own your data
  • One-time purchase - no subscription, no recurring fees, ever

Available on the Mac App Store

Lume is available now on the Mac App Store. Download it here and start tracking your path to financial independence today. Getting Started walks through the first month, from adding your accounts to closing it.

General information, not financial advice. Your taxes, pension and circumstances will differ from the examples here. More on that.