Lumina Finance
6.4#153 in personal finance softwareFree planFree planWebSelf-hosted
VisitLumina Finance vs SoFi
What both publish
| Fact | Lumina Finance | SoFi |
|---|---|---|
| Account sync | manual | both |
| Authentication | Sign-in supports two-factor authentication through an authenticator app or passkeys, recovery codes, email password resets, and OpenID Connect single sign-on. | SoFi supports authenticator applications including Google Authenticator, Microsoft Authenticator, LastPass, Okta, and Authy. |
| Budgeting tools | Yes | Yes |
| Free plan | Yes | Yes |
| Headquarters | Canada | San Francisco, California, United States |
| Net-worth tracking | Yes | Yes |
| 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. | SoFi lists phone, email, live chat, and social-media support channels, with U.S. customer support at 855-456-7634. |
Lumina Finance plans
- Self-hostedFree
SoFi plans
- SoFi Coach / RelayPriced on request
- SoFi Coach / Relay—
- SoFi Checking and SavingsFree
- SoFi Plus$10 a month
- SoFi CoachFree
Pick Lumina Finance if…
You want what its maker publishes above — check its page for the details.
Pick SoFi if…
SoFi suits people looking for banking, investing, and financial tracking tools in one platform. SoFi Coach is available at no charge to members who use its banking, borrowing, or investing services.