Lunch Money
Web-first budgeting and spending tracker with native multicurrency and pay-what-you-want pricing.
- Verified facts
- 5 of 5
- Alternatives ranked
- 6
- Approved reviews
- 0
- Visits sent from here
- 1
About Lunch Money
Lunch Money is a web-first budgeting and spending tracker from a small, bootstrapped Canadian company, started in 2019 by a solo founder who was tired of maintaining a spreadsheet. It was built with multiple currencies in mind from the start, which makes it popular with people who earn, spend or bank in more than one country. Transactions can come from bank syncing (offered in the US, Canada and a dozen European countries), CSV and PDF imports, crypto wallets, or a developer API. On top of that it has category budgets, tags, split and grouped transactions, recurring-expense tracking, a rules engine for automatic categorizing, a calendar view, stats and trends, a net worth tracker and a query tool for digging into spending. A companion app for iOS and Android handles adding and reviewing transactions on the go, while setup and analysis happen on the web. Pricing is pay-what-you-want for an annual subscription, starting at $60, after a 30-day trial with no credit card, and the price you sign up at is locked in. There's an active Discord community and a public roadmap. It suits detail-oriented people, people with finances in several currencies, and developers who like an API. The trade-off is that the full experience is on a computer, the mobile app is a companion rather than a full client, and it's a small team rather than a large company.
Best for: People with money in several currencies or countries who prefer budgeting on a computer.
Pros and cons
What works
- Multicurrency support built in from the start
- Pay-what-you-want annual pricing, locked in for life
- Rules engine, tags, query tool and developer API
- 30-day trial with no credit card
Why people leave
- 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
Top Lunch Money alternatives
See all 6- 1
Wallet by BudgetBakers79.4Multi-currency tracking with bank sync in many countries, a free manual tier and full phone apps.
- 2
Actual Budget75.5Free and open source with an API and file imports, if you're happy to run or rent a server.
- 3
YNAB74.4A structured zero-based method, if you want stricter planning than category budgets.
- 4
Monarch Money70.3A larger, US-focused tracker with strong mobile apps and partner sharing.
- 5
Copilot Money57.5Polished Apple-platform tracker with automatic categorisation and budgets, for people who want a native app over a web dashboard.
Why people left Lunch Money
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Lunch Money: common questions
Is Lunch Money free?
No, Lunch Money is a paid product.
Is Lunch Money open source?
No, Lunch Money is not open source. Open-source alternatives include Actual Budget.
What platforms does Lunch Money run on?
Lunch Money is available for Web, iOS and Android.
What are the best alternatives to Lunch Money?
The highest-ranked Lunch Money alternatives right now are Wallet by BudgetBakers, Actual Budget and YNAB. See the full ranked list for pricing, platforms and verified facts.