Lunch Money was built in Canada. Sync your Canadian bank, build a budget that works for you, and pay in Canadian dollars.
30 days free · No credit card required · 🔒 Your price is locked in for life
Plans are $10 CAD a month, or you can choose your own annual price from $60 to $150 CAD. Every feature is included, no matter which option you pick.
You pay in Canadian dollars, so exchange rates won’t change your subscription cost. And with our Price-Lock Guarantee, your rate stays the same for as long as you’re subscribed.
Probably the only subscription you have that won't go up in price. 😉
See CAD plans →
Connect supported Canadian banks and credit cards through Plaid to bring your transactions into Lunch Money automatically.
Prefer to upload your statements? You can import transactions from CSV or PDF files, or add them yourself. That’s also helpful if your account doesn’t support automatic syncing.
How importing works →
Set up your categories, keep track of recurring expenses, and pull reports to see where your money goes. You can also create rules to handle repetitive sorting.
You can budget with a partner, track your net worth, and choose budgeting periods that fit your pay schedule. Have accounts in USD or another currency? Keep them alongside your Canadian accounts in the same budget.
It’s all included. There’s even a developer API if you like to tinker.
Browse all features →Choosing a budgeting app? Here’s how Lunch Money stacks up on pricing, Canadian bank connections, and a few other useful features.
| Lunch Money | Monarch | YNAB | |
|---|---|---|---|
| Price | Lunch Money $10 CAD/month, or choose your own annual price from $60 to $150 CAD | Monarch $14.99 USD/month or $99.99 USD/year | YNAB $14.99 USD/month or $109 USD/year |
| Pay in Canadian dollars? | Lunch Money Yes, priced and billed in CAD | Monarch No, billed in USD, so your cost in CAD varies with the exchange rate | YNAB No, billed in USD, so your cost in CAD varies with the exchange rate |
| Price increases | Lunch Money Price-Lock Guarantee keeps your rate the same for as long as you're subscribed | Monarch Prices may change; monthly price rose from $9.99 to $14.99 USD between 2022 and 2023 | YNAB Prices may change; two increases since late 2021 |
| Track in CAD? | Lunch Money Yes, CAD alongside 160+ currencies in a single budget | Monarch Choose USD or CAD as your main currency, but not both at once | YNAB One currency per budget |
| Canadian bank sync | Lunch Money Automatic sync for most Canadian banks through Plaid, plus CSV and PDF imports | Monarch Supports most Canadian institutions; no support for PDF imports | YNAB Direct import for select Canadian banks; no support for PDF imports |
| Free trial | Lunch Money 30 days, no credit card required | Monarch 7 days, payment method required | YNAB 34 days, no credit card required when signing up directly |
In addition to Canadian and US-based banks, Lunch Money supports automatic syncing in the following countries (with more to come!):
Toronto-based Wilson built Lunch Money Pal, a companion app, using our developer API and grew it to hundreds of users without ever leaving TestFlight.
We met him at our first Toronto meetup. One thing led to another: his app became the official Lunch Money companion app, and Wilson joined our team as an engineer.
Read Wilson’s story →
Canadian founder Jen Yip started Lunch Money after outgrowing the spreadsheet she used to manage her finances.
She wanted flexible categories, budgeting periods that reflected real life, and a clearer view of where her money was going. Living abroad and travelling frequently meant handling multiple currencies mattered, too.
That personal project became Lunch Money. Today, we’re still an independent team building a tool we use ourselves, with plenty of input from the people who use it alongside us.
Meet Jen and the team →Lunch Money connects to most Canadian banks and credit cards through Plaid, with CSV and PDF imports as a backup option. Worried about a particular account? Email [email protected] and we’ll help you check.
Yes! Our pricing page shows prices in CAD, and you can pay for your subscription in Canadian dollars. No need to work out what a USD subscription will cost each time it renews. See CAD pricing.
Yes! You can set CAD as your primary currency and track your USD accounts alongside it, plus any of the 160+ currencies we support. Each transaction converts to CAD at the exchange rate on the transaction date, so your budget works across borders. Learn about multi-currency.
Yes. Lunch Money syncs Canadian banks, lets you budget in CAD, and doesn't force you to follow a specific budgeting method. See how it compares with YNAB and Mint.
Yes. Lunch Money syncs most Canadian banks and credit cards and lets you budget in CAD alongside USD and other currencies. You can also pay for your subscription in Canadian dollars. See how Lunch Money compares with Monarch.
Yes. Lunch Money is a Canadian corporation headquartered in Toronto, Ontario. Our founder, Jen Yip, was born and raised in Toronto and now travels the world as a digital sloooow-mad entrepreneur. We’ve hosted community meetups in Toronto and Vancouver.
Our team and users have spread worldwide, but we'll always be proud of our Canadian roots.
Every new account includes a 30-day free trial, with no credit card required up front. After that, choose a monthly or annual plan, and you can view prices and pay in Canadian dollars. See pricing for current plans.
Yes! Lunch Money supports over 160 currencies, with automatic bank syncing in Canada, the US, and 17 European countries.
You can keep your Canadian accounts alongside your accounts abroad and see everything in your preferred currency. For accounts without bank sync, file imports and manual entry are available, too. Check out the supported countries.
Try Lunch Money with your own accounts, categories, and everyday spending. You’ve got 30 days to see if it fits.
Lunch Money for Canadians
