Freedom251 › Personal Finance Software
Lumina Finance
What Lumina Finance is
Lumina Finance is a free, self-hosted personal finance app from a Canadian maker. It tracks spending, expenses, budgets, financial trends, and net worth through a web interface optimized for desktop, tablet, and mobile pages. Accounts can cover cash, credit, and savings, with balance history and multi-currency conversion. Transactions support merchants, categories, tags, and notes, while budgets can recur or run once. The dashboard shows net worth, credit usage, spending, savings rate, recent activity, and budgets. Insights reports cash flow and merchant patterns, and Runway estimates how long funds may last in a worst-case scenario. Importers are listed for CSV, Actual Budget, and Firefly III. Sign-in supports authenticator-app two-factor authentication, passkeys, recovery codes, email password resets, and OpenID Connect single sign-on. Docker Compose deployment runs on a 64-bit host with Linux AMD64 and ARM64 images. Self-hosting keeps data under the user’s control, but users must secure their own deployment and connected services. Free self-hosting is permitted for non-commercial personal use; other use requires authorization.
Who it suits
It suits people wanting a self-hosted web finance tool for personal, non-commercial use. It is also suited to users who prefer controlling deployment and imported financial data.
What it does well
- Tracks net worth, spending, budgets, and financial trends
- Supports recurring and one-time budgets
- Offers CSV, Actual Budget, and Firefly III importers
- Includes passkeys and authenticator-app two-factor authentication
- Docker images support Linux AMD64 and ARM64
What to know first
- Commercial and organizational use requires authorization
- Users are responsible for securing deployments and services
- Native iOS, macOS, and Android apps are roadmap items
- Account synchronization is manual
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Self-hosted | Free to self-host for non-commercial personal use; excludes features or services requiring external data, paid APIs, or external compute | Free |
As github.com lists them, read 12 Oct 2026. The maker's own page has the final word.
Verdict
Lumina Finance offers broad budgeting and reporting features in a free self-hosted package. Its personal-use restriction and responsibility for deployment security matter for organizations and less technical users.
Facts from Lumina Finance's own pages
- Accounts and currencies
- It tracks account types including cash, credit, and savings, with balance history and multi-currency conversions. · github.com, 12 Oct 2026
- Account sync
- manual · github.com, 22 Sept 2026
- Advice disclaimer
- The maker states that the app is a software tool and does not provide financial, investment, tax, legal, accounting, or other professional advice. · github.com, 12 Oct 2026
- Audience and use limits
- Free self-hosting is permitted for non-commercial personal use; commercial, organizational, and business use requires explicit authorization. · github.com, 12 Oct 2026
- Authentication
- Sign-in supports two-factor authentication through an authenticator app or passkeys, recovery codes, email password resets, and OpenID Connect single sign-on. · github.com, 12 Oct 2026
- Budgeting tools
- Yes · github.com, 22 Sept 2026
- Data control
- The maker says self-hosting with Docker keeps data under the user's control; its security policy makes users responsible for securing their own deployment and connected services. · github.com, 12 Oct 2026
- Deployment
- The app runs with Docker Compose on a 64-bit host, with images published for linux/amd64 and linux/arm64. · github.com, 12 Oct 2026
- Device access
- The maker says every page is optimized for desktop, tablet, and mobile; native iOS, macOS, and Android apps are listed as long-term roadmap items. · github.com, 12 Oct 2026
- Exchange rates
- Lumina Finance uses Frankfurter for exchange rates and supports configuring a self-hosted Frankfurter instance. · github.com, 12 Oct 2026
- Free plan
- Yes · github.com, 22 Sept 2026
- Headquarters
- Canada · github.com, 28 Sept 2026
- Importers
- The listed importers are CSV, Actual Budget, and Firefly III, and app-specific importers are tested weekly against the latest release of the source app. · github.com, 12 Oct 2026
- Insights
- Its dashboard surfaces net worth, credit usage, spending, savings rate, recent activity, and budgets, while Insights provides cash flow and merchant pattern reports. · github.com, 12 Oct 2026
- Net-worth tracking
- Yes · github.com, 22 Sept 2026
- Purpose
- Lumina Finance is a self-hosted personal finance app for tracking spending, expenses, budgets, and financial trends. · github.com, 12 Oct 2026
- Roadmap limits
- SimpleFIN support is marked in progress, while Plaid support and bank-sync expansion to other regions are listed as upcoming work. · github.com, 12 Oct 2026
- Runway
- The Runway view estimates how long funds will last in a worst-case scenario. · github.com, 12 Oct 2026
- Support
- Users can ask questions, share feedback, and discuss releases in the r/LuminaFinance community; vulnerability reports are directed to the security email in the policy. · github.com, 12 Oct 2026
- Transactions and budgets
- Transactions can be organized with merchants, categories, tags, and notes, and budgets can be recurring or one-time. · github.com, 12 Oct 2026
Where Lumina Finance stands on Freedom251
- Personal Finance Software#109 of 181