Premium FIRE planning for builders, families, and future retirees

Know when work becomes optional.

LumaV turns your holdings, cash flow, debts, real estate, and life decisions into a clear financial independence plan. Track your current position, test big moves, and understand your readiness without spreadsheet fatigue.

FIRE firstBuilt around independence, not day trading.
Multi-assetStocks, crypto, banks, credit cards, real estate.
What-if readyModel jobs, housing, children, sabbaticals, and market shocks.
Readiness
86%

Flexible with small lifestyle adjustments.

Financial Independence
Baseline plan
LV
Net assets
$391.4K
+ $4.8K this month · 42% to FIRE
FIRE no.$1.4M
Gap$1.0M
Retire48
Holdings
Stocks, ETFs, BTC
$214K
Real estate
Home equity
$126K
Cash flow
FIRE-enabled ledger
$3.2K
Scenario impact
-2.4 yrs

Increase savings rate by 5%.

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 so your portfolio view feels current and useful.

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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.

Built for clarity, not intimidation.

Financial planning can feel overloaded. LumaV explains the inputs, highlights the top insights, and keeps negative outcomes useful instead of alarming.

Read privacy approach

Ledger

Monthly cash flow

$5.1K

Holdings

Asset mix

$391K

Scenario Planning for the decisions that actually matter.

Create, edit, duplicate, compare, and share 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.

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

Trust is part of the product.

LumaV is built for sensitive financial planning. Public policies are ready for App Store review and can be linked directly from the app listing.

Privacy Policy

Explains what data is stored, what can be shared, and how market data and support features work.

View privacy

Terms & Conditions

Includes financial education disclaimers, account responsibilities, acceptable use, and service terms.

View terms

Support

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

Contact support

Launch your FIRE plan with confidence.

Use this site for App Store privacy links now. Add the final App Store download URL once LumaV is approved.

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