Delightfully simple personal finance & budgeting
Track spending, build a budget, and see your net worth in any currency.
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OverviewYour accounts, budget, and bills in one viewSee where your money went and what’s coming up, on the web or in the iOS and Android apps.
- Independent100% customer-funded
- No price hikesChoose what you pay annually
- No ads, everWe never sell your data
- Human supportWe usually reply within 24 hours
What is Lunch Money?
Lunch Money is a personal finance and budgeting app that fits your life and is easy to learn from day one. Track your money in 160+ currencies using bank sync or CSV and PDF imports, plan your spending with customizable budgets, and share it all with your partner or household.
Get your money in one place in three steps
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1
Bring in your accounts and transactions
Connect supported bank accounts in the U.S., Canada, and 17 European countries. You can also import CSV or PDF statements from any bank, or add transactions yourself.
160+ currenciesBank sync19 countries Automatic bank sync inNorth America: United States and CanadaEurope: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Ireland, Italy, Latvia, Lithuania, the Netherlands, Norway, Poland, Portugal, Spain, and SwedenElsewhere? Import CSV or PDF statements from any bank.CSV and PDFFrom any bankMobile entryOn the goAPIFor developers -
2
Organize your spending
Automatically categorize transactions with rules, track spending across categories with tags, and split purchases between categories.
On autopilotUber $8.20→UncategorizedTransportWeekly check-inAll caught up12 transactions reviewed -
3
Go further with your money
Build your own tools with our API, dig into your stats and trends, and connect with other users for tips or support.
RedditBudget, track spending, and see how your money changes over time
Multi-currency budgeting and tracking
Get paid in one currency and spend in another? Track accounts and transactions in 160+ currencies. Lunch Money uses daily exchange rates to show your totals in your budget currency.
Zero-based and envelope budgeting
Give every dollar a job, roll unused money into the next budget period, or set a few spending limits. Just here to see where your money goes? That's cool too.
Recurring bill and subscription tracking
Never miss a renewal or get caught by a surprise charge. Track bills that come up monthly, yearly, or on any schedule.
iOS and Android apps
Your money, in your pocket. Add a transaction while it’s fresh in your mind, or catch up on spending while you wait for coffee.
Shared budgets for couples
Money's easier together. Invite your partner or household to share a budget. Everyone gets their own login.
Net worth tracking
See your progress, not just your spending. Watch your balances, wallets, and assets grow over time.
Not your typical budgeting app
What Lunch Money users are saying
Multicurrency is seamless! I have business and personal accounts on both sides of the border, and Lunch Money handled them without a sweat!
CAN & US
The perfect tool for managing accounts and transactions in multiple currencies! Lunch Money made managing finances while living abroad so much easier!
UK
I love how Lunch Money allows me to see all my finances in one place, without worrying about having my data sold to the highest bidder. Wonderful product!
USA
Jen (founder/developer) is fantastic at responding to bug reports and feature requests quickly! Well worth the subscription.
USA
It's simple, and it just works. Way easier to use than Mint or YNAB. Get up & going in a few minutes!
USA
I love love love Lunch Money! This is the only budgeting app that makes sense with how my mind works.
USA
Multicurrency is seamless! I have business and personal accounts on both sides of the border, and Lunch Money handled them without a sweat!
CAN & US
The perfect tool for managing accounts and transactions in multiple currencies! Lunch Money made managing finances while living abroad so much easier!
UK
I love how Lunch Money allows me to see all my finances in one place, without worrying about having my data sold to the highest bidder. Wonderful product!
USA
Jen (founder/developer) is fantastic at responding to bug reports and feature requests quickly! Well worth the subscription.
USA
It's simple, and it just works. Way easier to use than Mint or YNAB. Get up & going in a few minutes!
USA
I love love love Lunch Money! This is the only budgeting app that makes sense with how my mind works.
USA
I have been trying to find the perfect balance between YNAB and Mint for a long time and I think you just struck that balance.
ITL & USA
Lunch Money really feels like a breath of fresh air compared to Mint. I enjoy the simplicity and thoughtful design that goes into it. Please keep up the excellent work.
USA
I love Lunch Money! It makes managing my money super easy while still being very approachable as a tool. I switched from Mint and have never looked back!
UK
Lunch Money is the first budgeting app I've ever used and stuck with, because it's so easy to use. I'm not using those other budgeting apps anymore!
UK
Lunch Money is the perfect replacement for Personal Capital and Mint. Once you use it you'll wonder, why can't the other apps get it right?
US
I’ve been looking for a very very long time for a budgeting solution that just works. I am so happy I found Lunch Money, it has been exactly what I was looking for.
UK
The personal finance tracking tool I was always hoping would exist. Simple and to-the-point, yet powerful. Excellent!
UK
Great value and simple to use system. Get control and visibility of your finances, then organise them.
UK
Lunch Money just works. Plain and simple. Everything you need for personal finance in one beautiful, easy to use package.
UK
What a wonderful tool!! After years of searching I finally found a tool which fits my needs, so thanks a bunch!
Germany
Built from my own travel spreadsheet
I started Lunch Money in 2019 after a year and a half of tracking every dollar, euro, and yen in Google Sheets while traveling. I shared it online for fun and got over 1,000 signups overnight.
Today, the Lunch Money team is distributed around the world, and we're still independent and 100% customer-funded. Come say hi to me and the team in our community Discord!
Award-winning and well-reviewed
Your money stays yours
Lunch Money encrypts all your data at rest with AES-256 and is protected with bank-level security.
Lunch Money FAQ
What is Lunch Money?
Lunch Money is a personal finance management app for budgeting, tracking spending and bills, and monitoring your net worth. You can sync supported bank accounts, import transactions, or enter them manually, and track money in more than 160 currencies.
How much does Lunch Money cost?
All features are included in one plan: Pay $10 monthly or choose an annual price between $60 and $150. You can pay in USD, CAD, or EUR. See pricing.
Is there a free trial?
Yes. Every new account starts with a 30-day free trial, and you don’t need a credit card to sign up. Cancel anytime.
Does Lunch Money sync with banks in Canada, the U.S., and Europe?
Yes. Lunch Money offers automatic bank sync with supported institutions in Canada, the U.S., and 17 European countries, including France, Germany, Ireland, Italy, the Netherlands, Spain, and the Nordics. If your bank isn’t supported, you can import CSV or PDF statements or add transactions manually.
Can couples share a budget in Lunch Money?
Yes. You can invite your partner or other household members to share a budget. Everyone gets their own login, and there’s no extra charge to add someone. Learn about collaboration.
How does the Price-Lock Guarantee work?
Your subscription price stays the same for as long as you stay subscribed, even if Lunch Money changes its pricing for new customers. Read our Price-Lock Guarantee.