No. 156of 181 ·Personal Finance Software

Lumina Finance

Web · Self-hosted

Freedom report

One barScore 5.4

Free tierA free tier is on its own pricing page
Runs widely1 of 6 device platforms
DocumentedThinly documented

Lumina Finance is ranked #156 of 181 in personal finance software on Freedom251, made by Lumina Finance (Canada). It runs on Self-hosted, Web. There is a free plan.

Lumina Finance plans and pricing

All plans

Self-hosted Free Free to self-host for non-commercial personal use; excludes features or services requiring external data, paid APIs, or external compute github.com · 12 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Net-worth tracking: Yes
Account sync: manual

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The record

Purpose: Lumina Finance is a self-hosted personal finance app for tracking spending, expenses, budgets, and financial trends.
Accounts and currencies: It tracks account types including cash, credit, and savings, with balance history and multi-currency conversions.
Transactions and budgets: Transactions can be organized with merchants, categories, tags, and notes, and budgets can be recurring or one-time.
Insights: Its dashboard surfaces net worth, credit usage, spending, savings rate, recent activity, and budgets, while Insights provides cash flow and merchant pattern reports.
Runway: The Runway view estimates how long funds will last in a worst-case scenario.
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.
Exchange rates: Lumina Finance uses Frankfurter for exchange rates and supports configuring a self-hosted Frankfurter instance.
Authentication: Sign-in supports two-factor authentication through an authenticator app or passkeys, recovery codes, email password resets, and OpenID Connect single sign-on.
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.
Deployment: The app runs with Docker Compose on a 64-bit host, with images published for linux/amd64 and linux/arm64.
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.
Roadmap limits: SimpleFIN support is marked in progress, while Plaid support and bank-sync expansion to other regions are listed as upcoming work.
Audience and use limits: Free self-hosting is permitted for non-commercial personal use; commercial, organizational, and business use requires explicit authorization.
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.
Price from: Free

Where it ranks on Freedom251

Best Personal Finance Software in 2026#156 of 181

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Sources

github.com/Lumina-Finance/lumina-finance· checked 12 Oct 2026