One number, every day.
Safe to Spend tells you what you can spend today without falling behind on bills or goals.

Real screens from the app. This is exactly what you get.
Safe to Spend tells you what you can spend today without falling behind on bills or goals.

Money in, money out, and how the month is trending.

Your spending by needs, wants and savings, with the bills coming up.

Transactions from your banks in one place. You categorize, Luna learns your patterns.

Your total, how it’s trending, and what to put toward it each month.

Track progress toward what matters to you, one goal at a time.

Assets, debts and your net worth, over time.

An AI assistant that answers questions about your own numbers.

Shown with demo data.
Luna works in your browser at app.lunamoney.io. Nothing to download.



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
The Financial Wellness Timeline
Eight questions, under 30 seconds. Find out which stage of the journey you're in, and exactly what moves you to the next one.




















Banks, credit cards, investments — securely connected through Plaid.
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.
Your personal financial advisor that knows your complete picture. Ask anything, get instant answers.
"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 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→Cancel anytime
$99.99 billed yearly
All plans include a 7-day free trial • Cancel anytime
$5,000+
Annual savings
$27
Saved per $1 spent
3 min
Setup time