What to know about the Financial Command Center — Ultimate US Edition

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The Financial Command Center — Ultimate US Edition is an Excel-based financial tracking system provided by LUMENOR.

What it is

According to the product page, this is an Excel (.xlsx) workbook designed to consolidate accounts, debts, and goals into a single dashboard. The vendor states the system includes tools for budgeting, net worth tracking, debt payoff, investments, asset allocation, a DCA plan, and scenarios. It also features a proprietary LUMENOR Score, which the vendor says grades financial resilience on a scale from 0 to 100.

The product page notes that this edition is built for the US and includes specific account types such as 401(k), Traditional IRA, Roth IRA, HSA, 529 Plan, and Taxable Brokerage. Additionally, the vendor says it includes a FICO credit score tracker with rating bands and history charts, a 2025 federal income tax brackets reference, and a multi-currency converter with USD as the base.

What the vendor says it includes

The vendor states the workbook contains 19 sheets: Home, Dashboard, Budget, Net Worth, Debts, Investments, Goals, Allocation, DCA Plan, Scenarios, Currencies, Transactions, Guide, History, Lumenor Score, Rebalancing, Annual Review, Credit Score, and Settings.

Price and terms

The product is listed at a one-time payment of $99.95 US. The vendor states this is an instant download and that there is no subscription required. The purchase is covered by the LUMENOR 14-day policy, which the vendor says provides a full refund if the file is defective, incompatible with Microsoft Excel, or substantially not as described.

Things to check before buying

Does your version of Microsoft Excel support all the features in this .xlsx workbook?
Do you have all the necessary financial data ready to input into the 19 sheets?
Is the USD-based multi-currency converter sufficient for your specific international banking needs?