Lunch Money alternatives: 6 apps ranked by verified data
Common reasons people leave Lunch Money: web-first; the phone app is a companion with fewer features, and minimum annual price of $60, no free plan. We ranked 6 alternatives by how directly each one replaces Lunch Money, then by reviews, real visits and how recently each app's facts were checked against its own website. Wallet by BudgetBakers currently ranks first.
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Show all 6 alternativesThe best Lunch Money alternative for…
The highest-ranked app in this list for each need.
Best Lunch Money alternative for most people
Wallet by BudgetBakersMulti-currency tracking with bank sync in many countries, a free manual tier and full phone apps.
Best Lunch Money alternative for a free option
Actual BudgetFree and open source with an API and file imports, if you're happy to run or rent a server.
Best Lunch Money alternative for a free plan you can upgrade
Wallet by BudgetBakersMulti-currency tracking with bank sync in many countries, a free manual tier and full phone apps.
Best Lunch Money alternative for open source
Actual BudgetFree and open source with an API and file imports, if you're happy to run or rent a server.
Best Lunch Money alternative for self-hosting
Actual BudgetFree and open source with an API and file imports, if you're happy to run or rent a server.
Best Lunch Money alternative for Mac
Copilot MoneyPolished Apple-platform tracker with automatic categorisation and budgets, for people who want a native app over a web dashboard.
Best Lunch Money alternative for Windows
Actual BudgetFree and open source with an API and file imports, if you're happy to run or rent a server.
Best Lunch Money alternative for Linux
Actual BudgetFree and open source with an API and file imports, if you're happy to run or rent a server.
Best Lunch Money alternative for iPhone and Android
YNABA structured zero-based method, if you want stricter planning than category budgets.
Best Lunch Money alternative for working in the browser
Monarch MoneyA larger, US-focused tracker with strong mobile apps and partner sharing.
Lunch Money alternatives: common questions
What is the best alternative to Lunch Money?
Wallet by BudgetBakers ranks first right now. Multi-currency tracking with bank sync in many countries, a free manual tier and full phone apps. Actual Budget and YNAB follow it in our ranking.
Is there a free alternative to Lunch Money?
Yes. Wallet by BudgetBakers (free plan + paid), Actual Budget (open source) and Firefly III (open source) have a free option. Check each app's verified facts for current plan limits.
Is there an open-source alternative to Lunch Money?
Yes: Actual Budget. Actual Budget can also be self-hosted.
Which Lunch Money alternatives work on Linux?
Actual Budget runs on Linux.
Why do people switch from Lunch Money?
The complaints we hear most: web-first; the phone app is a companion with fewer features; minimum annual price of $60, no free plan; small team, so features arrive at a smaller company's pace.
How is this list ranked?
Every app is scored with the same published formula: how directly it replaces Lunch Money, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.