Your money changes every month. LUMER shows why.
LUMER connects monthly planning, spending reality and assets into one financial position view. The assets alpha covers physical assets (cars, watches, property). Investments, pension and bank connections are separate future modules.
Add a few numbers and see what changed, what is off-plan, and what still feels safe to spend. No bank connection required.
Manual setup today · Free during beta · Delete anytime
No full setup needed.
Illustrative example — not your data.
Try one part of LUMER before signing up.
Estimate a car or watch — an experimental car or watch market estimate — before creating an account. In the beta, you can save assets alongside your plan and spending.
Your estimate range, confidence and evidence count will appear here.
What LUMER helps you answer.
Instead of another spreadsheet tab, LUMER brings the first financial questions into one connected view.
Illustrative Swiss household example — not your data.
- Monthly plan+CHF 850
- Assets valuedCHF 18’000
- What changedSpending +CHF 120 · asset ↑
Spending ran CHF 120 above plan, but asset estimate improved.
- Fixed spendingCHF 3’200 · 47%
- Variable spendingCHF 1’350 · 20%
- SavingCHF 900 · 13%
- InvestingCHF 650 · 10%
- RemainingCHF 700 · 10%
Transfers excluded from spending.
Estimate only. May differ from actual sale price.
What LUMER shows you. Your plan, spending reality, assets and financial position in one connected financial picture.
Build the picture step by step.
LUMER does not need everything on day one.
- 1Start with your monthly income
- 2Add the costs you already know
- 3Compare the month against reality
- 4Add assets when useful
One financial picture, not separate trackers. Plan your month, compare spending reality, track physical assets, see the impact in Now.
What is live today.
Manual setup is live. Statement import is limited while security hardening continues. Bank connections and advanced modules are later.
- WorkspaceLive
- NowLive
- PlanLive
- SpendingLive
- Assets Alpha (cars, watches, property — values entered by you)Alpha
- Account deletionSelf-service
- Statement importLimited during security hardening
- InvestmentsLater
- Pension / 3aLater
- Cash & bank balancesLater
- Retirement readinessLater
- TaxLater
- VaultLater
- Bank connectionsNot on the near roadmap
- Automatic asset valuationNot planned in beta — values are entered by you
Not yet live · not available in this beta
Built carefully, because money is sensitive.
LUMER is early, so the product says clearly what works today and what does not.
No bank connection
Use LUMER manually during beta.
You choose what to enter
Start with only the numbers you are comfortable adding.
Delete your account anytime.
Self-service account deletion. Available from Settings.
Clear beta limits
Advanced modules are shown as coming later, not live.
Financial data is sensitive. LUMER is not financial advice.
No bank connection required.
Built from spreadsheet frustration.
LUMER started with a simple problem: spreadsheets can track numbers, but they do not explain what changed. The beta starts narrow and will only expand when each layer is useful and trustworthy.
Founder-built beta · Zurich area
Built in Switzerland, because spreadsheets were not enough. Security hardening in progress.
Pricing
Free during beta.
Start without a card. Paid Plus and Pro plans may come later, after the beta proves useful.
- No payment required
- Manual setup included
- You can delete your account anytime
Start with one number. Build the full picture later. Try LUMER free during beta.