Lunch Money — Finance & Accounting ◆

Lunch Money is a delightfully simple personal finance and budgeting tool that 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. It supports multi-currency and cross-border banking, making it ideal for digital nomads, expats, and freelancers with international accounts.

Who it is for

Lunch Money is best for individuals, couples, families, and freelancers who want a hands-on yet automated budgeting experience. It suits engineers, designers, startup founders, and high-earning individuals who need to track irregular income, manage shared budgets, or monitor net worth. It is not designed for small business accounting or team expense management.

Key use cases

Freelancers can track irregular income and expenses with rules that auto-categorize recurring payments. Couples can manage shared budgets with rollover rules that carry unspent money forward. International users benefit from seamless multicurrency support, while anyone tired of manual spreadsheet budgeting can automate transaction imports and gain visual insights into spending trends.

• 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
• Multi-Currency Support — track finances across multiple currencies seamlessly
• Companion App — view finances on the go with a mobile companion

Lunch Money pricing: from $10/mo. Billing model: Freemium.

Monthly Subscription

$10 per month — includes all product features, access to the Discord community, and access to the beta testing program. Start with a risk-free 30-day trial (no credit card required).

Annual Subscription

Set your own price (minimum $100 per year) — includes all product features, access to the Discord community, and access to the beta testing program. Start with a risk-free 30-day trial (no credit card required). Annual subscribers also receive special gifts on their first and second anniversaries.

Prices are listed in USD. A 30-day free trial is available for both plans.

See current Lunch Money pricing and plans →