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
Spending Mode:
Saving $13/day for this goal
Life Situations (Optional):
Features that will transform your finances
Stop choosing between living and saving. Luna merges financial intelligence with behavioral psychology to eliminate decision fatigue—automatically building wealth while you spend on what matters most.
Safe-to-Spend™
Know if you can afford it BEFORE you buy it
Our proprietary algorithm learns and evolves with you—analyzing cash flows, spending patterns, life changes, and behavioral tendencies. The more you use Luna, the smarter it gets, adapting to your unique financial rhythm to answer one simple yet powerful question: Can I afford this today?
- Considers your entire financial reality
- Adapts to your spending patterns
- Three modes: Goal, Growth, and Flow
- Updates in real-time as your day unfolds
Ready to take control of your financial future?
Learn MoreGet 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?
Learn MoreSimple pricing, powerful results
Choose the plan that fits your needs. Change or cancel anytime.
Personal
starter
- Daily Safe-to-Spend™
- Budget tracking & management
- Transaction sync & history
- Smart debt repayment
- AI micro achievements
- Smart goal tracking
plus
- Daily Safe-to-Spend™
- Budget tracking & management
- Transaction sync & history
- Smart debt repayment
- AI micro achievements
- Smart goal tracking
pro
- Daily Safe-to-Spend™
- Budget tracking & management
- Transaction sync & history
- Smart debt repayment
- AI micro achievements
- Smart goal tracking
Real stories from real people
Our beta users are experiencing life-changing results. Soon, you'll hear their stories.
Reviews Coming Soon
We're currently in beta with 50 dedicated users who are transforming their financial lives. After our official launch, we'll share their authentic success stories here.
What Our Beta Users Are Already Saying
Real feedback from our early adopters
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!"
Be part of the financial wellness revolution
Stop wondering if you can afford it. Start knowing.
Join the financial revolution that puts a 24/7 financial advisor in your pocket
"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."
The average person makes 35,000 decisions per day.
Make your next one count. Transform your finances in 30 days.