Lunch Money
An app that budgets across currencies, from the web and your phone.
What Lunch Money does
Lunch Money is a budgeting tool built for the web first. You set monthly budgets by category, import transactions from your bank or a CSV file, and track money in many currencies. The iPhone and Android apps are companions for reviewing and sorting transactions on the go.
Lunch Money is for people whose money is a little messy: several banks, a couple of currencies, maybe a side income. You set a budget per category each month, and rules sort new transactions for you. You can split, tag and group transactions, and stats and trends show where things are heading. Recurring expenses are tracked automatically.
It's designed to be used at a desk. The web app is the main experience, and that's where you set things up. The phone apps are for checking in: you can see spending stats, drill into each category, swipe through new transactions to review them, and add categories, tags and notes while you're out.
The pricing is friendly too: a long trial with no card, a yearly plan where you can set your own price, and a price locked in for life. There's no free plan and no savings goals. If you like to sit down and really understand your money, especially across currencies, it's a great fit. If you want everything on your phone, pick a mobile-first app.
Alternatives to Lunch Money
Who it's for
Skip it if: People who want a phone-first budgeting app. Anyone looking for a free plan.
Pricing
30-day free trialThere's no free plan. You get a 30-day free trial with no card needed, then it's $10 a month or $100 a year. On the yearly plan you can set your own price, and whatever you pay is locked in for life.
Prices can vary by country. Checked 15 Oct 2026.
What people like
- Strong multi-currency support
- 30-day trial with no card needed
- Set your own yearly price, locked in for life
- Tracks recurring expenses on its own
Watch out for
- Mobile apps are companions, not the full product
- No free plan
- No savings goals
Want a budget that fits your life across borders? Build your own.
Describe your app idea and Bilt builds it. Free to start, on your phone in minutes.
Try this idea: “an app where I log spending in different currencies while traveling and see my monthly budget per category in my home currency”
Questions people ask
Is Lunch Money free?
No. It has a 30-day free trial with no card required, then costs $10 a month or $100 a year.
Does Lunch Money have a mobile app?
Yes, for iPhone and Android. The apps let you check spending and review and sort transactions, while setup happens on the web.
Does Lunch Money support multiple currencies?
Yes. Handling accounts in different currencies is one of its main strengths.
Can I import transactions without linking my bank?
Yes. You can upload transactions from a CSV file instead.