Lume Portfolio turns transactions into insight. Chat to log a transaction. Drop a PDF statement. On-device AI does the categorizing — your finances never leave your Mac.
macOS 14+ · Apple Silicon · On-device AI
Built on open, on-device models
Lume Portfolio runs inference locally with the same model families the rest of the industry uses — your data never leaves your Mac.
Built for the way you actually manage money
Designed for Mac. Powered by on-device AI. Launching V1 on macOS — iOS coming soon.
Type what you spent — "$14 lunch at Sweetgreen" — and Lume Portfolio drafts the transaction with merchant, category, and account already filled in. Paste 20 lines at once and it batches the rest into review cards.
Every dollar in, every dollar out. Lume Portfolio distinguishes real income from refunds, splits transfers between your own accounts, and keeps signed amounts honest.
Your ledger, built for power users. Filter, sort, multi-select with shift and cmd, bulk-edit categories — all keyboard-native, all instant.
Checking, savings, credit, cash, investments — multi-currency, manual balances. No bank login. You stay in control.
Hierarchical category trees with color swatches. Nine sensible defaults out of the box, fully customizable as deep as you need.
Drop a PDF. Lume Portfolio extracts every transaction, deduplicates against your existing ledger by content fingerprint, and suggests categories using on-device AI. Works with most US and EU bank statements.
Ask "how much did I spend on dining last month?" or "show subscriptions over $10." Lume Portfolio answers from your ledger using a local LLM. Your data never leaves the machine.
Every feature works without the internet. MLX-powered models — Gemma and Llama, plus Apple Intelligence — run on Apple Silicon. Open a statement on a plane, log a coffee in a tunnel, all of it works.
No bank credentials. No telemetry. No third-party cloud. Encrypted iCloud sync uses keys from your iCloud Keychain — not ours, not Apple's. Your money stays yours.
Surface every Netflix, Notion, and gym membership draining your account. Lume Portfolio detects recurring charges automatically and shows you the true annual cost.
Set monthly budgets per category. Track loan balances, interest, and payoff timelines — all alongside your day-to-day spending.
A familiar ledger that feels like a spreadsheet — supercharged with on-device AI for the work you'd rather not do yourself.
Other apps connect to your bank. Lume Portfolio connects to you.
We don't ask for your bank login. No Plaid token sitting on a server somewhere. You stay in control.
Every AI inference — categorization, merchant cleanup, insights — happens on Apple Silicon. Your data doesn't leave.
Encrypted iCloud sync uses keys from your iCloud Keychain. Not ours. Not Apple's. Yours.
"I'd given up on personal finance apps because I didn't want my transactions feeding someone's data lake. Lume Portfolio is the first one that respects that and is actually pleasant to use."
Daniel R.
Backend engineer
"Dropped four months of statements as PDFs. Within minutes I had a clean ledger with sensible categories. The chat entry is genuinely magical — feels like a real assistant."
Priya S.
Designer & freelancer
"Native, fast, no subscription nag, no bank connection theater. The on-device AI piece is what sold me. Finally a finance app that feels like it belongs on macOS."
Marcus T.
Indie developer
$9.99 a year. Every feature, every Mac, every update — included.
Every feature, on every Mac you own. No tiers, no add-ons, no upsells.
That's ~$0.83/month — about two coffees a year.
No credit card to try · Cancel anytime · Billed annually
Why we can charge at a competitive price vs. others
Your data lives encrypted on your Mac and syncs through your own iCloud — we don't run servers to store it. Your subscription funds new features and ongoing innovation from the Lume Portfolio team.
Launching V1 on macOS. iOS coming soon. $9.99/year with a 7-day free trial — every feature unlocked.
macOS 14+ · Apple Silicon · On-device AI