Side by side

Finfluence vs Lumina Finance

Both stand on personal finance software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.

Finfluence

Free plan AndroidiPhone

Finfluence focuses on manual personal-finance organization rather than automatic account feeds. Its free mobile access, export formats and non-cloud storage approach define the main trade-offs.

Visit Finfluence

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.

Visit Lumina Finance

The facts

	Finfluence	Lumina Finance
Free plan	Yes	Yes
Open source	Not published	Not published
Runs on	Android, iPhone	Self-hosted, Web
Lowest paid plan	Free or on request	Free or on request
Plans published	2	1
Maker	Not published	Lumina Finance
Website	finfluence.com	github.com
On personal finance software	#113 of 181	#109 of 181

Finfluence: what it does well

Free, ad-free mobile plan
Budgets, bills and recurring entries
Exports to Excel, CSV and PDF
Separate investment deposit tracking
Shared use for couples or families

What to know first

Account synchronization is manual
No web platform listed
Some connected features may transmit email and IP addresses
Optional in-app purchases are disclosed for one plan

Lumina Finance: 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

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