Personal Finance · pricing
Lunch Money pricing
Lunch Money publishes a single tier. Below is what it costs, what it covers, and how that compares with the personal finance tools listed alongside it.
As of 1 September 2026, Lunch Money pricing is $60/year. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- $60/year
- Model
- Pay what you want, annual, above a published minimum
- Tiers
- 1
- Free tier
- Not on record
Lunch Money plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Lunch Money | $60/year | 4 | Entry tier |
What the product covers
The full Lunch Money feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Other
- Bank sync
- Multi-currency support
- Crypto account tracking
- Recurring transaction detection
- Budget rollover rules
- Pay-what-you-want pricing
People bring Lunch Money in for someone with bank accounts in more than one currency who wants unified budgeting without manual conversion, a crypto holder wanting wallet balances alongside ordinary bank budgeting in one view, a user who wants automatic bank sync and does not want to run or maintain self-hosted software, a ynab user frustrated by rigid category rollover rules who wants more configurable behaviour. If that is not the job you are buying for, the alternatives to Lunch Money are worth a look before you commit to a tier.
How that compares in Personal Finance
Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Lunch Money (this page) | $60/year | Pay what you want, annual, above a published minimum | - | |
| Monzo | Free | Free core current account; paid Plus and Premium tiers add features | - | vs Lunch Money |
| Revolut | Free | Free standard tier; paid plans add higher limits, insurance and perks | - | vs Lunch Money |
| Strands | On request | quote | - | vs Lunch Money |
| Affirm | Free | Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee | - | vs Lunch Money |
| Firefly III | Free | Open source, no licence fee | - | vs Lunch Money |
| Starling Bank | Free | Free personal current account; business accounts have free and paid tiers | - | vs Lunch Money |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Lunch Money badges page.
Before you pay for Lunch Money
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: a single tier at $60/year. With no free tier on record, the cheapest way to answer the rest is to compare Lunch Money against the tools that do have one before committing.
Lunch Money runs on web, ios, android, and is published by Lunch Money of Remote, United States. The full record is on the Lunch Money review, and the rest of the category is under best personal finance tools.
Lunch Money pricing questions
- How much does Lunch Money cost?
- Lunch Money publishes a single tier, Lunch Money, at $60/year.
- Does Lunch Money have a free plan?
- Not on the record we hold: Lunch Money is listed as Pay what you want, annual, above a published minimum. Whether a free trial is offered is not something this record captures, so check the vendor's site.
- Which personal finance tools can I use without paying?
- 7 of the 8 personal finance tools listed alongside Lunch Money have a free tier: Monzo, Revolut, Affirm, Firefly III, Starling Bank.
- What am I actually paying for with Lunch Money?
- The record lists 6 features across 1 area: other. In practice it is brought in for someone with bank accounts in more than one currency who wants unified budgeting without manual conversion, a crypto holder wanting wallet balances alongside ordinary bank budgeting in one view, a user who wants automatic bank sync and does not want to run or maintain self-hosted software.
- Does Lunch Money charge per user?
- The record carries a price and a billing period for each of its 1 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Lunch Money prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Lunch Money against before paying?
- The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with Lunch Money covering price, platforms and features.