Lunch Money alternatives: 6 apps ranked by verified data

Facts checked Oct 30, 2026AppBreakup editorialHow we rank

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.

Quick comparison

#	App	Pricing	Open source	Platforms	Verified facts	Score
1	Actual Budget	Open source	Yes	Web, Windows, macOS +2	6 of 6	75.5
2	Copilot Money	Paid	No	iOS, macOS, Web	5 of 5	57.5

1. Actual BudgetTop pick
Best for: Technically comfortable people who want free envelope budgeting and control of their own data
Open sourceSelf-hostableWeb, Windows, macOS, Linux, Self-hosted
75.5
score / 100
Why switch from Lunch Money
Free and open source with an API and file imports, if you're happy to run or rent a server.
Pros
Free and open source, with no subscription
Local-first, with optional end-to-end encrypted sync
Optional bank sync in the US, Canada, UK and EU
Imports full YNAB history and common bank file formats
Cons
Sync, mobile and bank sync need a server you run or rent
No native phone app; mobile use is in the browser
Support is through community channels
Visit Actual Budget Details and reviews
How this score is calculated
Editorial fit ×0.387
Reviews ×0.363
Clicks (90 days) ×0.1571
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Actual Budget a good Lunch Money alternative?
Verified facts
6 of 6 verified
Method
Envelope budgeting
Checked Oct 29, 2026actualbudget.org(opens source in a new tab)
Bank sync
GoCardless (EU/UK), SimpleFIN (US/Canada)
Checked Oct 29, 2026actualbudget.org(opens source in a new tab)
File import
QIF, OFX, QFX, CAMT.053 and CSV
Checked Oct 29, 2026actualbudget.org(opens source in a new tab)
Migration
Built-in YNAB4 and nYNAB importers
Checked Oct 29, 2026actualbudget.org(opens source in a new tab)
Encryption
Optional end-to-end encryption
Checked Oct 29, 2026actualbudget.org(opens source in a new tab)
Server
Optional, needed for sync and bank sync
Checked Oct 29, 2026actualbudget.org(opens source in a new tab)
2. Copilot Money
Best for: iPhone and Mac users who want automatic, low-effort spending tracking with a polished design
PaidiOS, macOS, Web
57.5
score / 100
Why switch from Lunch Money
Polished Apple-platform tracker with automatic categorisation and budgets, for people who want a native app over a web dashboard.
Pros
One plan with everything included, no tiers or add-ons
Connects to 16,000+ institutions
Itemizes Amazon orders and shows Venmo notes
Assistant suggests budget changes and asks before acting
Cons
No Android app
Partner sharing isn't available yet
No free tier
Visit Copilot Money Details and reviews
How this score is calculated
Editorial fit ×0.363
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Copilot Money a good Lunch Money alternative?
Verified facts
5 of 5 verified
Price
$109/year (limited-time, normally $119)
Checked Oct 29, 2026copilot.money(opens source in a new tab)
Plans
One plan, no tiers or add-ons
Checked Oct 29, 2026copilot.money(opens source in a new tab)
Platforms
iPhone, Mac, iPad and web
Checked Oct 29, 2026copilot.money(opens source in a new tab)
Institutions
16,000+
Checked Oct 29, 2026copilot.money(opens source in a new tab)
Amazon detail
Shows what each Amazon charge was for
Checked Oct 29, 2026copilot.money(opens source in a new tab)

The best Lunch Money alternative for…

The highest-ranked app in this list for each need.

Best Lunch Money alternative for most people

Wallet by BudgetBakers

Multi-currency tracking with bank sync in many countries, a free manual tier and full phone apps.