You Need A Budget, or better known as YNAB, is a popular budgeting solution that started in 2004.
Getting started on YNAB can be difficult due to the rigidity of their platform and methodology.
YNAB has a lot of reading material and webinars designed to get you to become a master budgeter on their platform. But is such a steep learning curve necessary for an effective budgeting solution?
The majority of Lunch Money users are able to get started quickly and easily by themselves.
High learning curve makes getting started very daunting.
Lunch Money has a slick and modern interface designed with the modern-day spender in mind.
Outdated and dense design that hasn't grown with the times.
A public changelog lets Lunch Money users know what is being worked on next and what was recently released.
YNAB's changelog doesn't mention their roadmap.
Quick add receipts to your transactions.
YNAB doesn't support file attachments.
Spend in multiple currencies? Lunch Money's multi currency solution is built-in natively and works seamlessly across all features.
You need to use third-party plugins to mimic multi currency support.
Lunch Money is flexible enough to support your personal budgeting philosophy.
YNAB only supports the very rigid envelope method.
Connect your crypto wallet to Lunch Money and track balances in real-time in your primary currency of choice.
YNAB doesn't support tracking crypto tokens.
Many ex-YNAB'ers decided to sign up for Lunch Money, and they haven't looked back!
For years I've been looking for a good budget app and I can't believe I found it with Lunch Money! Coming from YNAB it's like going from Windows Mobile to the iPhone!
I've tried all the others, from Mint to YNAB, and what you've done with Lunch Money is amazing! I just spent several hours categorizing, tweaking, and then finally – for the first time in way too long – budgeting! And it all just makes so much sense.
I have been trying to find the perfect balance between YNAB and Mint for a long time and I think you just struck that balance.
Try it free for 14 days
No credit card required to get started
Currently only available on desktop web–
read about why here!
(and we're committed to making the experience great! 🙌)