Private FIRE planning for real life

Plan the next money move with the same clarity on app and web.

LumaV brings ledger, holdings, cash flow, scenarios, household permissions, and advisor-ready summaries into one premium planning experience. Public pages stay simple; deeper workflows remain inside the product.

Local-firstServe from the mirror, refresh only when needed.
Household-awareOwner, co-owner, view-only, and supervised flows.
Action-readyAffordability, FIRE impact, and advisor summaries.
Readiness
72%

Clear gap, current actions, and a path to close it.

LumaV light theme ledger screen LumaV dark theme FIRE screen LumaV light theme holdings screen
Scenario impact
-2.4 yrs

Increase savings rate by 5%.

Website experience

A dashboard that feels like the app, not a brochure.

The web preview mirrors core app workflows: cash flow, holdings, FIRE readiness, household context, Plaid sync freshness, and advisor-safe sharing. Advanced setup stays gated behind account controls.

Active view

360 household overview

Source: local mirror Login
FIRE readiness 72%

You are tracking assets, recurring cash flow, and scenario changes in one place. Passive views use local data first.

Net worth signal $1.78M
Monthly cash flow $480

After planned expenses and savings goals.

Household mode Owner

Switch account context from the app logo.

Recommended next action

Review the monthly gap before changing spending.

Show the user practical levers first: reduce discretionary spend, adjust savings rate, delay timing, or compare a smaller scenario.

Everything that changes your FIRE date, in one calm place.

LumaV is designed for people making real financial decisions: buying a home, changing jobs, paying down debt, investing more, or moving to a lower-cost city.

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Track the full picture

See holdings, bank balances, credit card debt, real estate, income, expenses, and watchlists without mixing every ticker into your FIRE plan.

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Live market context

Pull stock and crypto prices, market stats, 52-week ranges, and relevant news when configured, with local fallbacks when external data is unavailable.

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Readiness metrics

Understand retirement savings projection, debt-to-income ratio, FI ratio, savings rate, FIRE gap, and age-based retirement outlook.

Cash flow

See income, spending, and savings as one connected flow.

Website reports make monthly money movement easy to scan while keeping deeper planning controls inside the signed-in product.

Reports

Cash Flow

This month Filters
$4,200.00Total income
$3,719.46Total expenses
$480.54Net income
11.4%Savings rate

Cash flow

Dec 1, 2025 - Dec 31, 2025

By category
Income $4,200.00 Paychecks and recurring inflows
Saved $480.54 11.4% savings rate
Housing$1,593.00
Financial$741.68
Bills & utilities$683.47
Food & dining$232.35

App screens

A quick look at everyday LumaV views across ledger, holdings, FIRE, scenarios, and settings.

Read privacy approach
Dark theme
LumaV dark theme ledger screen LumaV dark theme holdings screen LumaV dark theme FIRE screen LumaV dark theme settings screen
Light theme
LumaV light theme ledger screen LumaV light theme holdings screen LumaV light theme scenarios screen LumaV light theme settings screen

Scenario Planning for the decisions that actually matter.

Create, edit, duplicate, compare, and preview what-if scenarios against your baseline FIRE plan. LumaV turns each scenario into plain-language impact: FIRE date, monthly cash flow, net worth, retirement readiness, and risk. Sharing and sync stay controlled from account settings.

Move to a lower-cost cityFIRE sooner
Buy vs. rentBreak-even clarity
Take a sabbaticalRecovery timeline
Market crash before retirementRisk view
Plans

Start connected. Upgrade whenever your planning gets bigger.

Three simple packages keep LumaV affordable while covering Plaid, sync, support, email, payment, and back-office costs.

Launch

$5.99/mo or $59.99/yr

For first budgets, safe-to-spend, emergency fund tracking, basic goals, basic FIRE, and one connected institution when Plaid production is enabled.

Grow

$10.99/mo or $109.99/yr

For active planners who want advanced FIRE, debt payoff, subscription waste, job-loss scenarios, rebalancing, life calendar, and three connected institutions.

Wealth

$19.99/mo or $199.99/yr

For households, partner/co-owner planning, advisor sharing, Social Security and pension, retirement income, global planning, and six connected institutions.

Trust is part of the product.

LumaV is built for sensitive financial planning. Public policies now describe the current local-first app plus optional cloud, sync, support, referral, Plaid connections, advisor, StoreKit, and dashboard surfaces.

Privacy Policy

Explains local storage, optional cloud features, third-party providers, account deletion, market data, support, referrals, and preview integrations.

View privacy

Terms & Conditions

Includes financial education disclaimers, account responsibilities, subscriptions, optional sync, preview features, acceptable use, and service terms.

View terms

Support

Need help, found a bug, or want a feature? Reach the LumaV team directly from the support page.

Contact support

Prepare your FIRE plan with care.

LumaV is ready for app, website, and TestFlight validation while the public App Store release moves through Apple review.

[email protected]