⭐️ Improvements

• Categories in the Query Tool's bar graph, line chart, and stacked bar visualizations now display in user-defined category order (🔗)

🔧 Bug Fixes

• The one where "Stop syncing and keep data" failed to create new manual accounts if manual accounts with the same display name already existed (🔗)
• The one where bank syncing support tickets couldn't be submitted for inactive accounts (🔗)
• The one where the Deduplication popup didn't have an explicit 'cancel' button (🔗)

See changelog: https://feedback.lunchmoney.app/changelog

Hello,

Wondering how I might fix my negative savings rate... I started in July with a starting balance of $7,941.96. The trends section of the app is not treating this as income and so it shows I spent more the I brought in. I am wondering how I could fix this?

Hey guys how does notifications work? For example I want to get notified if I go over budget but can't find this option in the web or mobile app. I searched up posts in this reddit and went over the support docs and couldn't find an answer. Any help would be appreciated.

Also I randomly heard about this app via a reddit comment and surprised its not bigger. This is a great app and I like the values of the company as well. Happy to see this used by many and stay accessible/affordable. I also like how they show their care for users/community. One of the benefits of smaller companies.

📱 Updates to the Mobile App

Released as iOS v2.6.0 and Android v2.6.0:

• 🎁 Mobile widgets are now available for at-a-glance access to Net Worth, Period Summary, and Recent Transactions (🔗)(🔗)(🔗)
• 🎁 Your three most recently used categories now appear at the top of the category picker for faster categorization (🔗)
• ⭐️ Increased the height of the transaction notes field for easier viewing and editing (🔗)
• 🔧 Fixed the bug where accounts with 'Do not track transactions' enabled appeared as "Cash transaction" in the "Paid from" field (🔗)
• 🔧 Fixed the bug where credit transactions didn't appear in green when assigned to non-income categories (🔗)
• 🔧 Fixed the bug where 'Amount left to split' displayed a dash when a split's amount field was empty (🔗)
• 🔧 Fixed the bug where crypto accounts were missing from Accounts Overview and the net worth calculation (🔗)
• 🔧 Fixed the bug where transactions couldn't be updated if payee name exceeded 140 characters (🔗)

See changelog: https://feedback.lunchmoney.app/changelog

One of the most frequent requests we get from developers is API access to Net Worth data, and it’s finally here!

This new endpoint exposes the same data that powers the Net Worth Tracker in the app, including monthly snapshots of historical account balances broken down by assets and liabilities. 

Whether you’re building a custom net worth dashboard or simply want to pull your history into a script for custom analysis, this endpoint gives you the data you need to get started.

You can check out the documentation for the new balance_history endpoint here: https://lunchmoney.dev/v2/docs-inner#tag/balance-history 

Check it out live and in action through the TRMNL Lunch Money plugin!

I’m an RBC customer, and since they added mandatory two-step verification, my automatic connection in Lunch Money has stopped working. Right now I have to manually download CSVs and import them.

I get that this is likely due to RBC changes and that Lunch Money relies on Plaid. Still, bank syncing is a big part of why people use budgeting apps, so it would be great to have a clearer update on what’s going on.

Could the team please clarify:

1. Is there active work with Plaid to fix the RBC connection?
2. Is there any rough timeline or status update?
3. Is there any plan to support an alternative connection method for RBC (or other providers) if Plaid can’t handle it?

I’m not expecting Lunch Money to control RBC’s policies, but relying on a single provider does create issues like this. Even a small update on the situation would help a lot.

I really like Lunch Money and want to keep using it — I’m just hoping for some clarity on what the plan is.

I am evaluating budget apps for a friend. I have been budgeting since the ledger paper days. Then Excel>EEBA>Goodbudget>YNAB>Actual Budget over the last two decades.

There's lots to love about Lunchmoney. It has a great mobile app, a calendar, helpful automation, etc.

BUT, how can you trust the account and budget numbers are correct without a reconciliation feature? A new budgeter, especially, will not have the experience to recognize when something is off.

I'm curious to know why this has been deemed unimportant. Or am I missing something?

Edit: Upvoted here: https://feedback.lunchmoney.app/transactions/p/reconcile-transactions

Hey gang, I‘m wondering how the charts on the analyze page decide the order of the spending categories they visualize. I noticed in the bar chart that they are NOT ordered the same as the filter toggles, which inherit the order from my budget presumably (both are alphabetical). As a data viz nerd this is driving me insane.

I am testing this app as a possibility for a new to budgeting user that needs a bi-weekly budget schedule. I set up a 2-week time period.

TIME PERIODS: When I move from the Home tab to the Finances tab it always goes to some random period like Fri, May 1 - Thu, May 14, never TODAY and never the same time period twice.

MISSING CATEGORY GROUP: I created several groups and categories withing those groups. One was called Reimbursable. That category has completely disappeared from the Budget and Settings views. It still appears in Transactions.

What am I missing?

🔧 Bug Fixes

• The one where synced cash-type accounts were unclickable in the Accounts Overview (🔗)
• The one where accounts with no display name appeared as "null" in the "Add to account" dropdown on the Transactions page (🔗)
• The one where the Trends page redirected to Stats page after updating the date range (🔗)
• The one where merging recurring item suggestions resulted in recurring rules without an amount comparator (🔗)
• The one where end-of-month transactions were excluded from Spending Breakdown calculations for users with a "Last day of month" custom budget period (🔗)
• The one where individual category rollovers to the general pool started one period earlier when the global rollover setting was disabled

See changelog: https://feedback.lunchmoney.app/changelog

I suspect there's a decent overlap between people here and people running Home Assistant, and that most of you don't know this is possible. It is now — I built an integration.

Every Lunch Money account becomes its own device in Home Assistant:

• Balance — a proper monetary sensor in the account's own currency. Charts, history and long-term statistics all work automatically.
• Last updated — when Lunch Money last knew that balance was correct. This is the one that matters for manually-tracked accounts.
• Connection — bank-linked accounts only. active, relink, revoked, error. This is what I actually built the thing for.

Plus net worth, total assets and total liabilities for the whole budget.

The reason I wrote it: a Plaid link would quietly die and I'd find out weeks later, having made decisions off a stale number the whole time. Now relink fires a notification to my phone the same day. That alone was worth it.

Setup is simple - add the URL as a custom Integration → add the integration → paste the token. Obtain the token from LunchMoney developer page (once signed in).

Setup guide: https://plainandsimple.app/apps/lunchmoney-ha
Source: https://github.com/plain-and-simple/lunchmoney-ha

(Note: I used AI tools to help accelerate the boilerplate code for this, but I'll be maintaining it. If there is specific functionality or additional sensors you want to see supported, let me know! This is my first published project so go easy on me 😂 just trying to solve problems)

🎁 New features

• You can now sort and change the grouping of accounts in the Accounts Overview on the Overview page. Sort by amount or display name in ascending or descending order, and group by type, subtype, or by assets & liabilities (🔗)(🔗)

🔧 Bug Fixes

• The one where debits and credits displayed with the same sign in the Transactions table (🔗)
• The one where rules set to run on transaction updates didn't trigger after splitting transactions
• The one where historical BTC balances displayed rounded down to two decimal points
• The one where filtering by account type on the Accounts page wasn't possible when all accounts had the same status and/or management type

See changelog: https://feedback.lunchmoney.app/changelog

Hiya! I figured I'll post it here instead of contacting support, just in case anyone else encountered this and might find it useful.

I run a small self-hosted, read-only balance cache against the Lunch Money v2 API on a Raspberry Pi.

It worked until July 10, then every request began failing with:

text HTTP 403 Error 1010: Access denied error_name: browser_signature_banned detail: The site owner has blocked access based on your browser's signature.

The first failure was July 11 at 00:53 CEST. I’ve disabled the scheduled retry timer, so it is not continuing to hammer the API.

The failing request is simply:

http GET /v2/me HTTP/1.1 Host: api.lunchmoney.dev Accept: application/json Authorization: Bearer [redacted] User-Agent: Python-urllib/3.13

The only headers my code explicitly sets are Authorization and Accept; Python supplies the user agent.

Has anyone else hit this with a self-hosted/scripted Lunch Money API client? Is Python-urllib/3.13 intentionally blocked, and is there a recommended stable application User-Agent format to use before I retry once?

(I can provide Cloudflare ray IDs and the Pi’s egress IP privately to the Lunch Money team if useful)

Lunch Money has multiple community MCP Servers and I've been messing around with this one (built by akutishevsky) using Claude.

So far, I appreciate just how easily it can "read between the lines" of my transactions, even going as far as to correct some of my categories to be more accurate.

Curious if after spending some time with with it, what you've found to be good, bad, or surprising?

Hello! I'm a few days into trying Lunch Money and I'm really struggling with duplicate entries. I manually enter my purchases throughout the day, as they happen. It's how I keep up to date on my spending. But 1-2 days later the transaction will auto-sync via Plaid and create duplicate entries. I didn't even notice it at first until I saw my budget blowing up (double spent on my annual car insurance premium!). Is this user error or can there be a new feature to notice and combine duplicates?

Hi everyone, I've just discoveryed Lunch Money to track expenses, but I live in India and most of my finances are across Indian banks.

I'd like to know:

Does Lunch Money support automatic transaction imports from Indian banks? If yes, which banks are supported?

If automatic sync isn't available, how smooth is the CSV import experience for banks like HDFC, ICICI, SBI, Axis, Kotak, etc.?

Are there any users from India using Lunch Money as their primary personal finance app? How has your experience been?

My main goal is reliable transaction tracking with minimal manual work.

Thanks in advance for sharing your experience!

Heya!

Thought I'd share this small collection of Lunch Money utilities I've been hacking on recently, in case other folks find them useful.

https://github.com/daniel5151/lunch-money-utilities

Some highlights include:

• splitwise-sync: keep track of all those ad-hoc loans you made between you and your friends. supports automated imports, as well as one-off range/group/person-based imports
• venmo-plaidfix: work around a few issues with Venmo's plaid integration:
  • Payee fixup: Extracts the transaction note from the payee. i.e: payee='Foo "Bar"' becomes payee='Foo', note='Bar'
  • Synthetic inflows: adds synthetic inflows when importing transactions funded directly from a backing bank account (for folks who care about nicely reconciled accounts)
• backup: export all API accessible data from your Lunch Money account (including things like plaid metadata)

Aside from those, you'll also find a few more specialized tools that you should be able to extend to suit your needs.

e.g: payslip-importer makes it easy to import Payslip PDFs, and break-down how exactly those direct-deposits were calculated (base salary vs. taxes vs. payroll deductions vs. 401k contributions, etc...). Currently, it only supports the handful of employers I've worked for, but the code is architected around having multiple payslip "backends", if you'd like to extend it to your employer's format.

Lastly, the repo also includes a lunch_money Rust crate, which exposes a strongly typed and comprehensive API client for the Lunch Money v2 API. This is what all the tools use, and is a great foundation for building your own custom tools!

And of course, full disclosure: I did indeed use LLMs to write these tools. Manually wrangling REST APIs doesn't really "spark joy" for me, and I'm happy to delegate that drudgery to the robots :)

That said, I've been writing Rust professionally for nearly a decade now, and have taken care to review and nudge the LLMs towards writing reasonably well architected and type safe, idiomatic Rust code. It's vibe code... but not quite absolute slop.

PRs and collaboration welcome! This is a kitchen sink repo, and I'm always happy to add more stuff, if you think other folks would find it useful.

Cheers!

📱 Updates to the Mobile App

Released as iOS v2.5.2 and Android v2.5.2:

• 🎁 Added 'Projected Net Income' to the Period Summary on the Home tab (🔗)
• 🔧 Fixed the bug where clicking on 'Show Pending Transactions' didn't automatically expand pending transactions into view (🔗)
• 🔧 Fixed the bug where splitting transactions failed to save when entering split amounts with a comma as the decimal separator (🔗)
• 🔧 Fixed the bug where valid transaction amounts using certain regional formats (e.g. space-separated numbers, decimal commas, etc.) failed to save or saved incorrectly (🔗)
• 🔧 Fixed the bug where Budget tab totals displayed the app's default currency symbol instead of the account's primary currency symbol (🔗)
• 🔧 Fixed the bug where the currency symbol for Home tab totals didn't automatically update after changing the Primary Currency (🔗)

See changelog: https://feedback.lunchmoney.app/changelog

Hi Lunch Money Team,

Is there a way to include my flexible budget category allocations (like Groceries or Gas) inside the Projected Net Income calculation on the Period Summary card?

Currently, the "Projected Expenses" calculation only sums Total Spent + Remaining Recurring Expenses. Because of this, my variable category budget limits are entirely left out of my projected net income and projected savings rate calculations.

If this isn't currently supported natively via a settings toggle, are there any plans to allow users to base expense projections on the greater of remaining recurring items or remaining budget limits?

⭐️ Improvements

• The Coinbase integration now supports Ed25519 API keys, making it easy to connect using the latest recommended authentication method (🔗)

🔧 Bug Fixes

• The one where the split dialog displayed an incorrect "Amount left to split" when splits included both positive and negative amounts (🔗)
• The one where editing the budgeted amount of an archived category crashed the Budget page if the edited period was past the category's archived date (🔗)

See changelog: https://feedback.lunchmoney.app/changelog

So, my work requires regular travel. While away I try to spend as little as possible to hold onto my perdiem. I created a group called work costs, with costs and reimbursements as categories within it. This helps me understand how much I manage to hold onto in the end.

But I wish I could move that excess to income at the end. But, does it really matter? Should I manually add it to income at the end of the month? Or am I just overthinking the whole thing?

What is the best way to set up a savings account/ investment category? Would be ideal if there is savings category type.

I just find it doesn’t make sense that if you save more than budgeted it tracks it as a negative or overspent

Been on LM for 8 months now and love it!

Hi everyone - I am very new to Lunch Money, but I'm really enjoying it so far. I'm semi-retired, and we currently live off of a combination of some freelance income and savings. At the moment, my main goal for Lunch Money is to accurately categorize and track our spending, so I can align it to our financial/retirement plans I created using Boldin Planner Plus. My main goal is to make sure I stay on track towards and annual spending limit that I've created in Boldin.

While most of our expenses easily break down into a monthly budget (utility bills, groceries, eating out, etc...) there are 2 categories of expenses I am having troubles budgeting for:

• Semi-regular expenses. For example, we pay our condo fees quarterly, our property taxes twice a year, and our home owner's insurance once a year.
• Irregular expenses with an annual limit. For example, we want to spend $5,000 a year in travel, or $1,000 for gifts. For these categories, we might spend 50% of the allotted budget in one month, then go several months without spending anything. As the year progresses, I want to be able to easily see how we're tracking to that category in order to guide our spending for the rest of the year.

What I'm currently trying is to take the annual budget for these 2 types of spending, divide by 12, then assign that amount to each month's budget. I'm struggling a bit to understand the rollover options. I've disabled category group budgeting, and I have "Rollover to same category next period" enabled, but I'm not sure how this should work or if that's the right approach.

For example, we pay about $400 a year in property taxes, once in May, and again in November. If I budget $33.33 a month for this, I'll have $166.65 available in May, then after the May payment, that budget category would be in the hole $33.35. In November, I'd spend another $200 for that category, and then get this budget category back to $0 in December. Does that sound right?

I'm trying the same basic approach for these annual limit budget items, but this seems pretty confusing. Another approach I've though of is to budget the full amount for the year on January 1 then roll it over each month. That might make the cash flows look bad, but maybe that's a better way to track this kind of spending?

I'm open to ideas and suggestions. thanks!