Lunch Money Budgeting Web App - First Year Annual Subscription US$70 (~A$89, 30% off, Was $100)

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Munnday on 10/05/2021 - 13:30 lunchmoney.app (115 clicks)
Last edited 10/05/2021 - 15:40 by 1 other user

Lunch Money

30% off first year subscription

Lunch Money launched late 2019 for a new/fresh take on budgeting - It brings across the majority of features from YNAB and Mint budging apps.

The application is web based (no Google/Apple store applications) - however is fully featured and optimised for mobile browsers.

Roadmap is open to the public to view, and subscribers have access to request features - https://feedback.lunchmoney.app. The changelog is also open for all https://feedback.lunchmoney.app/changelog

Feature	Notes
Import transactions	Manual Import - CSV Upload - Developer API - Auto Sync N/A in Aus
Multi currency support	Track multiple currancies - split single transaction into multiple currancies
Crypto Support	Track crypto as directly in app
Transaction utilities	Split, group, tag, and categorize transactions
Collaboration	Invite unlimited collaborators to your budget. For Free
Rules engine	Build up a system of rules to put organizing your transactions on autopilot.

Pricing is generally more expensive then other apps, the owner is quite transparent as to why.

Raising the price to $100 per year was a ballsy move. This puts us at a higher annual cost than YNAB (but still cheaper at the monthly rate). It also further positions Lunch Money as a premium product. This aligns nicely with my goal of having fewer users who are willing to pay a higher price rather than (unsustainably) lots of users paying a lower price. Weekly #1 - Pricing, (not) hiring and my first hate mail!

Subscription	Price
14 Day Trial	$US0
Monthly	$US10
Yearly (First Year)	$US70
Yearly	$US100

At the current time, it's a single developer bootstrapping the application, they have over 1000 paying customers and are looking at expanding the team when required - however the transparency is awesome. https://lunchbag.ca is her personal blog, which tracks the applications progress in a very open format

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Lunch Money

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  organamisms on 10/05/2021 - 13:50

  +18

  The first test is to see if you're dumb enough to fork out USD$100 for an annual subscription. RIP their users.

  Look at Goodbudget for a free alternative that does most of what you want - pair that with Barefoot investors' bucketing strategy.

  If you want baked-in assistance, use Up as your bank. It'll help you divvy up buckets, set savings goals, and is an all-round fantastic bank to use.

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  Guybrush57 on 10/05/2021 - 15:08

  +7

  Be frugal by pissing your money away. Solid advice >_>

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  NuttyGoodness on 10/05/2021 - 15:19

  +3

  Bad with money? Give us money too please.

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  Wizard on 10/05/2021 - 15:45

  +3

  If your smart with money don't buy this. This is how you waste money.

  It's the old.
  "I'll sell you my book for $100 on how to make money" trick

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  Lucille Bluth on 10/05/2021 - 21:38

  Bad website full of emojis as bullet points and what seems like infinite scrolling

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  kev88au on 10/05/2021 - 22:53

  +2

  I’ve been an avid YNAB user for the past 6 years, and unless there is some killer selling point, I very much doubt I will be changing.

  I will however say that the comments above are dumb. If you are bad with money, then you probably need powerful tools such as YNAB (and I guess this, if the post is to be believed).

  The subscription is probably worth it for the reporting alone, even before the ways to grow money are taken into account.

  • 

    Munnday on 11/05/2021 - 07:37

    I'm not sure that their is enough to warranty a switch from YNAB - it does hold up better in some areas, but I would agree that nothing stands out to make a complete switch if you happy. Although the ability to share a budget with someone (eg partner) is pretty tempting.

    +1 for understanding where a decent budgeting product comes into play.