On Your PC and Phone
Your accounts, statements and plans live on your Windows PC, in Documents, and on your Android phone. The two talk only over your own Wi-Fi, with no server in between.
Part of Your Data and Devices
Private by design
Your Money. Your Data. Your Devices.
Lightning keeps everything encrypted on your own PC and phone, opened with your password. They talk only over your own Wi-Fi.
What stays with you
Nothing About Your Money Leaves Your Devices.
Three promises, and how Lightning keeps them.
Encrypted, With Your Password
Your ledger is encrypted on both and opens only with your password, the same on your phone and PC. A backup is made every time the PC app starts.
No Logins, No Account
No bank login, no broker login and no sign-up. You bring in statements yourself, or bank SMS on your phone, and review every row.
Good questions
Privacy, Answered
Where your data lives, and who can read it.
Does Lightning work without the internet?
Yes. The only thing it looks up online is the latest price of what you hold, such as listed shares by ticker symbol. Everything else works offline, and your phone and PC meet over your own Wi-Fi, not the internet.
Where exactly is my data?
On your PC, in a Lightning profile in your Documents folder, and on your phone, in the Lightning app: encrypted on both. It is never on a server, because we don’t have any for your money data.
Do I need an account?
No. There is no sign-up, no card and no email needed to use the app.
Can someone else on my PC read it?
Not without your password. The profile is encrypted on disk, so copying the file doesn’t open it.
Does the phone read my messages?
Only messages from your banks, and only after you allow it. Messages from people are never read, and each bank message waits in review: nothing posts until you say so.
Keep reading
Start with the whole picture, then the two nearest guides.
Shape what comes next
Your Answers Decide What We Build Next.
Take the 3–5 minute survey: what you track, what you skip and what you wish Lightning did.
Take the survey · 3–5 min
or get news of each build
Study Your Patterns. Control Your Future.