Lunch Money pricing 2026: cost, trial and couples

The short version

Lunch Money costs $10 a month or $100 a year, and every plan has every feature. It has a 30-day free trial and no free plan.^[7] The $100 annual plan is labeled "Set your own price."

1
Lunch Money: $100 a year, 30-day trial, collaborators
2
Monarch Money: $99.99 a year, a free week, a partner included
3
Wonderful: Two people who keep their own money, $99 a year for both

Lunch Money plans and prices

There are two plans, and they differ only in how you pay. Both include all features. The pricing page, read November 8, 2026, shows $10 a month and $100 a year, and says your price is locked in for life.^[7]

Plan	Monthly	Yearly	A month, paid yearly	What it is
Monthly^[7]	$10	—	—	All features included; the page says your price is locked in for life.
Annual^[7][2]	—	$100	$8.33	"Set your own price": the page shows $100 a year. A 2024 post put the lowest you can choose at $50.

In a post dated October 16, 2024, Lunch Money raised the minimum for its pay-what-you-want annual plan from $40 to $50 a year, effective October 22, 2024, and said existing subscribers were grandfathered. The post carries an editor's note that it may be out of date and points to the pricing page, which did not load to our fetcher (it was read in a browser on 10/27 for the plans above).^[2]

The free trial

A 30-day free trial.^[1][7] The pricing page lists no permanent free plan, so after 30 days you pay or stop.

What Lunch Money costs for two

You can invite collaborators from Settings, each with an individual login. The blog says Lunch Money allows "unlimited contributors to your budget".^[3][4] The pricing page gives no price for collaborators and points larger groups to Lunch Money for Organizations.^[7] So we can't say whether a partner is free. Look in Settings before you pay.

Lunch Money compared with other apps

What a year costs, Lunch Money and five others

Copilot Money$95
Wonderful$99
Monarch Money$99.99
Lunch Money$100
YNAB (You Need A Budget)$109
PocketSmith$119.88

The cheapest regular way to pay for a year on each app's own pages. PocketSmith is shown at its Free plan, which has limits; its cheapest paid plan is $119.88 a year.

Lunch Money's price sits near Monarch and Wonderful. See all budgeting app prices compared.

PocketSmith: Free, or $14.95/mo or $119.88/yr.
Monarch Money: $14.99/mo or $99.99/yr.
YNAB: $14.99/mo or $109/yr.

Where Wonderful fits

We make Wonderful, so weigh this accordingly. It is $14.99 a month or $99 a year for both partners, where each person connects their own bank and chooses what the other sees. It has no free plan after a free week or a $1 first month, runs in the browser with no iPhone or Android app yet, and gives no investment advice.

Questions people ask

How much does Lunch Money cost?

$10 a month, or $100 a year on the annual plan. Both plans have every feature. Prices checked on Lunch Money's pricing page on November 8, 2026.

Is Lunch Money free?

No. The pricing page lists no free plan. The only free period is a 30-day trial.

Does Lunch Money have a free trial?

Yes. The pricing page says 30 days, risk free.

What does 'set your own price' mean?

The annual plan is labeled 'Set your own price' and shows $100 a year. A 2024 post from Lunch Money put the lowest you can choose at $50. We did not find that minimum on the pricing page, so check the sign-up screen.

Can two people use one Lunch Money subscription?

Lunch Money lets you invite collaborators with their own logins. The pricing page gives no price for them, so confirm in Settings before you rely on it.

Is monthly or yearly cheaper?

Yearly at $100, against $120 for twelve months at $10. The yearly price is one you can set yourself.

Sources

38 sources · read November 8, 2026

Every number on this page comes from support.lunchmoney.app, lunchmoney.app, hn.algolia.com and 12 more. If a source has changed since, the source is right.

App names are trademarks of their owners; Wonderful isn't connected with them. Wonderful gives general information. It isn't a financial or tax advisor.

Lunch Money pricing 2026: cost, free trial and what it costs for two