$60/yr
Starting price
annual minimum (2026)
Report
Should I Use Lunchmoney?
Delightfully simple personal finance & budgeting
Worth it
Worth itBuy if you're hands-on, leaving Mint or YNAB, and fine paying ~$60/year for a solo-built tool.
Cheap, simple, dev-friendly budgeting app loved by Mint refugees; skip if you want free or zero-effort.
Confidence: Medium
30 days
Free trial
no free tier after
160+
Currencies
multi-currency support
2019
Launched
Show HN debut; solo founder
Value for money
4
Pay-what-you-want annual; prices lowered during inflation.
Ease of use
4
Independent reviewer: easy to use, simple.
Feature depth
4
Envelope budgeting, 160+ currencies, open API.
Support quality
3
Solo founder; Reddit community answers questions.
Security posture
3
Plaid connections, extra security options; no independent audit evidence.
Pros
Cons
Gotchas
- mediumPay-what-you-want applies to annual plans only; $60/yr minimum since March 15, 2026.⁴
- mediumGuess: switching from Mint means re-importing and recategorizing transaction history yourself.⁶
- mediumOne-person company: support speed depends on the founder's bandwidth.⁸
- lowUnrelated APT40 malware tool named 'LUNCHMONEY' pollutes security searches.
Best for
- Mint refugees
- YNAB defectors
- Tinkerers who like APIs
- Multi-currency households
Not for
- Anyone wanting a free budgeting app
- Hands-off users who won't set rules or clean up imports
- Businesses — consumer personal finance only
- People unwilling to link banks via Plaid
Pricing
Annual (all-inclusive)
$60/yr minimum, pay-what-you-want above
- All features included; 30-day free trial
- CAD pricing offered for Canadians
- Prices deliberately lowered during inflation
Security
No known public vulnerabilities found in the sources reviewed.
What users say
Independent reviewers and Reddit users broadly praise its simplicity and rank it a top Mint/YNAB replacement.
“I really like Lunch Money.”
“LunchMoney now has envelope budgeting”
“My Switch to Lunch Money from Mint”
Alternatives
Compare Lunchmoney with each alternative.
YNAB
Stricter envelope method; steeper learning curve, mature ecosystem.
Lunchmoney vs YNABQuicken Simplifi
Lower-effort tracker for set-and-forget budgeters.
Fina
Flexible, AI-flavored reporting; 4.75/5 G2 per comparison.
Lunchmoney vs FinaHomeBank
Free desktop budgeting if you refuse subscriptions.
Lunchmoney vs HomeBankFull analysis
Based on 30+ public sources; several snippets truncated, so quote fragments are verbatim excerpts.
Sources
- Lunch Money homepagelunchmoney.appofficial
- Lunch Money Pricinglunchmoney.appofficial
- Why we lowered our pricinglunchmoney.appofficial
- Annual plan minimum update (March 2026)lunchmoney.appofficial
- Pete the Planner reviewpetetheplanner.comreview
- Reddit: Switch to Lunch Money from Mintreddit.comreview
- Lunch Money Pricing 2026 | $60/yr Minborderlessbudget.comreview
- Solo founder $34k MRR case studysolounicorn.clubnews
- awesome-lunchmoney (GitHub)github.comofficial
- Show HN: Lunch Money (2019)news.ycombinator.comnews
Rate this review
Anonymous. You can change your vote.
Loading votes…
Ask a follow-up
Ask if a use case fits. Answers stay inside this report and its sources.
Comments
One queue. No replies. Give a display name first. Limit: 7 comments per day.
No comments yet.