How it works

Thirty Minutes. Once a Month.

Lightning isn’t another app to check every day. At the end of the month, bring in your statements, tidy a few rows, then sit down with your numbers.

Once, before your first month

Set Up in an Afternoon

Add your accountsBanks, wallets, CDs, THNDR and gold, with today’s balances.
Set a budgetA fixed amount, a share of income, or your usual average.
Add what’s comingBills, subscriptions, loans and money you set aside.

1About 10 minutes

Upload Your Statements

Download last month’s CSV from each bank and wallet, and bring each one into its account. Lightning reads the usual columns itself; after that it’s a few clicks.

What you do

Download the CSV from each bank or wallet.
Choose Import CSV on the matching account.
Standard columns are matched for you; anything else, once.

Good to knowOnly have a PDF? Lightning gives you ready-made instructions to turn it into a CSV with an AI assistant.

One file per account. Nothing is saved yet.

2About 5 minutes

Make Small Adjustments

Lightning only asks about what needs you: a new name, a possible duplicate, a row it can’t place. Settle those, post the rest, and add any cash you spent.

What you do

Answer the rows that need a decision. One answer fills every row with that name.
Post the ready rows.
Add any cash spending the statement can’t see.

Good to knowTick “Remember category” and next month’s statement sorts itself.

Exceptions first. Routine rows stay out of your way.

3About 15 minutes

Sit Down for Analysis

This is the part that matters. Pour a coffee, pick last month, and let each tab answer one question.

3 min

Where Do I Stand?

Overview: your net worth and how it changed, how much you kept, and how much you invested.

5 min

Where Did It Go?

Expense analysis: the biggest categories, how each one moved, and whether this month was unusual.

3 min

Is My Money Working?

Investments: what you saved and invested, your gain or loss, and how your holdings are split.

2 min

Did I Stick to My Plan?

Budget: what you planned, what you spent, and the categories that went over.

2 min

What Can I Spend Next Month?

Cash planning: safe to spend until payday, and the payments coming in the next 30 days.

End With One Change

Pick one thing for next month: a budget to adjust, money to set aside, or a habit to fix. Next month, the numbers will tell you if it worked.

Built to be trusted

Your Money. Your Data.

It Stays with You

Lightning runs on your own computer and keeps everything in one file. It backs up every time it starts.

You Always Confirm

Imports wait for your review. Nothing is saved until you say so.

No Mystery Numbers

Every key number shows what it’s made of, and each chart has a “Show the numbers” table. Estimates are marked as estimates.

Ready when you are

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