Safe To SpendTM
The average user saves $1,000+ in their first month.*
*Average across active Luna Money users. Individual results vary.
Know exactly what you can spend today.
Beautifully designed, thoughtfully crafted
Every detail obsessed over. These are the actual components you'll use every day.
Know Before You Spend
See exactly how much you can safely spend today
Real-Time Cash Flow
Track income and expenses as they happen
AI-Powered Insights
Intelligent categorization and financial health scoring




















10,000+ institutions supported
Banks, credit cards, investments — securely connected through Plaid.
Start in minutes
Connect
Link your accounts securely
Budget
Create categories and income sources
Categorize
Organize your transactions
Goals
Define what matters to you
Spend
Check your Safe-to-Spend daily
All your finances, one place
Connect every bank, credit card, and investment account. See your complete financial picture updated in real-time.
Ask Coco
Can I afford a $200 dinner this weekend?
Based on your Safe-to-Spend of $342, yes! You'd still have $142 left for the week. But if you're saving for your vacation goal, I'd suggest keeping it under $150.
What about my subscription spending?
You're paying $127/mo across 8 subscriptions. That's up 15% from last month - looks like a new Netflix charge started.
Meet Coco AI
Your personal financial advisor that knows your complete picture. Ask anything, get instant answers.
Loved by real people
"Since I started Luna, my credit score went up 87 points and now I have a 785 credit score. Luna helped me pay down my debt strategically and reduce my spending."
"Utilizo a Luna todos los días. Es una bendición tener total visibilidad de mis finanzas y tener una guía para mejorar cada día."
"Luna se ha convertido, inevitablemente, en un hábito financiero saludable. He podido reducir mis gastos mensuales considerablemente, y mantenerme consistente."
What happens when you join
Real results. From your first week.
Real users. Real bank data. Real change — in the first 60 days with Luna.
01 · Spend less
67%
of users spend less in their first week.*
Two out of three users cut their spending right away — 32% less than the week before they joined Luna.
02 · Buy smarter
13%
less spent on every purchase.*
You buy less often — and when you do, you spend less. No budgeting. No effort.
03 · Calm
24%
fewer money surprises every day.*
64% of users have more even daily spending in their first month. Fewer surprises. Less money stress.
04 · Lasting
53%
are still saving after 2 months.*
It’s not just the first week. Two months later, more than half of users are still saving — about $349 every month.
* Based on real bank transactions from active Luna users in the first 60 days since App Store launch.
See full report→Simple pricing
Cancel anytime
personal
$99.99 billed yearly
- Connect your banks, cards & investments
- Household — manage money together
- Net Worth tracking
- Balance history & trends
- Financial forecasting
- Daily Safe-to-Spend
- Adaptive Budget
- Automatic transaction sync
- Smart debt strategies
- AI Financial Analyst
- Goal tracking
All plans include a 7-day free trial • Cancel anytime
Ready to take control?
$5,000+
Annual savings
$27
Saved per $1 spent
3 min
Setup time