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.
Chat with your money in plain English, or open the ledger and bulk edit like a spreadsheet. Both run on-device.
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.
Every feature, on every Mac you own.
All core features, on every Mac you own. One purchase covers them all.
Launch Price
1 week free, then $9.99 one-time
No subscription. No auto-renewal.
1 week free, then $9.99 one-time · No subscription · No auto-renewal
Why we can sell it once instead of renting it to you
Your data lives on your Mac. We don't run servers to store it, so there's nothing for us to keep charging you for. Pay once, the app is yours. Early users get the Launch Price as our thanks for being here first.
Launching V1 on macOS. 1 week free, then $9.99 one-time at the Launch Price. Core features unlocked.
macOS 14+ · Apple Silicon · On-device AI