Safe To SpendTM
Save up to $1,100 a month.*
6 in 10 Luna Money users reduce their monthly spending after joining.
*Based on anonymized analysis of active Luna Money users with transaction data spanning Jan 2025 – Jan 2026. Individual results vary based on financial behavior and engagement.
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.
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.
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
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
Loved by real people
"For the first time in my life I feel in control of my finances. I never imagined finances could be this easy. Thanks to Luna, now I see my finances daily—just like my TikTok."
"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."
"Finally, a finance app that adapts to me. Extremely user-friendly, incredible ROI."
"Luna se ha convertido, inevitablemente, en un hábito financiero saludable. He podido reducir mis gastos mensuales considerablemente, y mantenerme consistente."
"Safe to Spend has completely redefined the way I think about finances. I never buy anything without first validating it with my Safe to Spend."
Add to Home Screen
Works like a native app, updates automatically
iPhone / iPad
Open Luna in Safari
Visit app.lunamoney.io in Safari browser
Tap the Share button
Located at the bottom of the screen
Add to Home Screen
Scroll down and tap this option
Tap "Add" to install
Luna will appear on your home screen
Android
Open Luna in Chrome
Visit app.lunamoney.io in Chrome browser
Tap the menu
Three dots in the top right corner
Install app
Or "Add to Home screen"
Tap "Install" to confirm
Luna will install like a native app
Lightning Fast
AES-256 Bit Encryption
Bank-level security
Auto Updates
Works on all modern browsers • No download required
Ready to take control?
$5,000+
Annual savings
$27
Saved per $1 spent
3 min
Setup time