The only number you need before buying anything
"Can I afford this?"
Luna answers instantly. We analyze your bills, goals, and life situation—and tell you exactly what you can safely spend today.
SAFE TO SPEND TODAY
Goal mode active
MONTHLY BUDGET
$3,850
SAVINGS RATE
21%
Features that transform your finances
Five powerful tools working together to build your financial confidence and wealth automatically
Safe-to-Spend™
Your daily spending limit, calculated in real-time
Our proprietary algorithm analyzes your bills, goals, income patterns, and spending behavior to answer one question: "Can I afford this?" Choose between Goal, Growth, or Flow modes to match your financial priorities.
SAFE TODAY
$94
Goal mode active
Get started in minutes, not hours
Our streamlined onboarding gets you up and running quickly, so you can start improving your finances today
Connect Your Accounts
Link all your financial accounts safely through Plaid for automatic transaction tracking and real-time insights
Set Up Your Budget
Customize categories for Needs, Wants, and Savings. Luna adapts the 50/30/20 rule to YOUR unique situation
Define Your Goals
Create short, medium, and long-term financial objectives. Luna will help you prioritize and track progress automatically
Check Safe-to-Spend Daily
Before ANY purchase, check your personalized spending limit. It updates in real-time based on your complete financial picture
Ready to transform your financial future?
Start TodaySimple pricing, powerful results
Choose the plan that fits your needs. Change or cancel anytime.
starter
CONNECTED ACCOUNTS
5
- 5 connected accounts
- Daily Safe-to-Spend™
- Adaptive Budget™
- Automatic transaction sync
- Smart debt repayment strategies
- AI Financial Analyst
- Goal tracking
plus
CONNECTED ACCOUNTS
10
- 10 connected accounts
- Daily Safe-to-Spend™
- Adaptive Budget™
- Automatic transaction sync
- Smart debt repayment strategies
- AI Financial Analyst
- Goal tracking
pro
CONNECTED ACCOUNTS
20
- 20 connected accounts
- Daily Safe-to-Spend™
- Adaptive Budget™
- Automatic transaction sync
- Smart debt repayment strategies
- AI Financial Analyst
- Goal tracking
All plans include a 7-day free trial • Cancel anytime • No hidden fees
Real stories from real people
See how Luna is transforming financial lives every day
Sofia G.
Young Professional
"I check Safe-to-Spend as often as I check Instagram - daily! In just 14 days, I've saved $100-200 on expenses I would've made without thinking. Luna understands my spending patterns."
Edwin C.
Small Business Owner
"I used to just guess what I could afford for my business. Luna changed everything - now I actually know my weekly cash flow and what's safe to spend. Found out I was bleeding money on stuff I didn't even need. Cut my expenses by 30% and my business is finally profitable!"
Anónimo
Education
"Usar Luna Money ha sido un cambio total para mi bienestar financiero. Me ha ayudado a entender mis hábitos de gasto y a organizarme mejor sin estrés. Lo que más me ha encantado es lo fácil que es usarla y cómo me motiva a seguir mis metas."
Business Owner
Puerto Rico
"Luna Money me ha estado enfocando en un manejo óptimo de mi dinero. Tengo una visión completa de gastos de una manera integrada, clara, y sencilla. Me ha mantenido consciente de mi presupuesto y me está dando mucha paz financiera."
Get Luna on Your Home Screen
Access your financial intelligence instantly. 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
Native app performance
Auto Updates
Always get the latest features
Secure & Private
Bank-level encryption
Works on all modern browsers • No download required
Stop wondering if you can afford it. Start knowing.
Join the financial revolution that puts a 24/7 financial advisor in your pocket
$5,000+
Potential Annual Savings
Save $27
For Every $1 Spent on Luna
15 min
To Full Setup