Bonsai ◆
Finance & Accounting
All-in-one business management for freelancers: proposals, contracts, invoicing, and tax help in one dashboard.
from $24/mo
About Lunch Money
Lunch Money treats your money like a recurring subscription you manage—not a spreadsheet you dread. It syncs with your bank accounts, auto-tags every purchase, and lets you set budgets that roll over unspent amounts month to month.
What it does
Lunch Money connects to over 20,000 financial institutions via Plaid, pulling in transactions and categorizing them using machine learning. You can set rules for recurring expenses, track net worth over time, and see spending trends with visual charts.
Best for
- Freelancers tracking irregular income and expenses
- Couples managing shared budgets with rollover rules
- Anyone tired of manual spreadsheet budgeting
Strengths
- Auto-categorization learns your patterns and improves over time
- Recurring budget rollover—unspent money carries forward automatically
- Multi-currency support for international users
Key features
- Bank Sync — connects to 20,000+ institutions via Plaid for automatic transaction import
- Smart Categories — ML-based tagging that adapts to your spending habits
- Recurring Budgets — set monthly limits with rollover, carryover, or reset options
- Net Worth Tracking — visualize assets, liabilities, and trends over time
- Rules Engine — auto-categorize or split transactions based on custom conditions
- Export & Reports — download CSV or PDF summaries for tax or review
