How much can you spend today?

Luna home screen showing $39 safe to spend today, on track

Real screens from the app. This is exactly what you get.

One number, every day.

Safe to Spend tells you what you can spend today without falling behind on bills or goals.

Luna home screen showing $39 safe to spend today, on track

Know if you’re ahead.

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

Luna cash flow screen showing a net of plus $1,085 this month

See where your money goes.

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

Luna budget breakdown with a spending ring and an upcoming payments calendar

Your accounts, one list.

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

Luna transactions list grouped by date

A clear way out of debt.

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

Luna debt screen showing $14,000 total debt trending down

Goals you can see.

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

Luna goals screen showing an emergency fund 58 percent funded

Your whole picture.

Assets, debts and your net worth, over time.

Luna net worth screen showing assets, liabilities and a balance chart

Ask Coco.

An AI assistant that answers questions about your own numbers.

Coco, the Luna AI assistant, with suggested questions

Shown with demo data.

On your laptop, too.

Luna works in your browser at app.lunamoney.io. Nothing to download.

Luna web dashboard in Safari showing Safe to Spend, cash flow and a calendar of upcoming bills

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

The Financial Wellness Timeline

Where do you stand?

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

BPBanco Popular
FPFirstBank PR
BOBank of America
MMarcus
WFWells Fargo
DBDollar Bank
OBOriental Bank
PPNC
AEAmerican Express
VVenmo
DDiscover
AAlly
RRobinhood
CSCharles Schwab
CChase
COCapital One
WWealthfront
CCiti
SSoFi
FFidelity

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.

Automatic transaction syncing
Smart categorization
Net worth tracking
Bill detection & reminders
Banco Popular$8,124.75
Chase Sapphire-$4,230.50
Fidelity 401k$67,432.00
Robinhood$12,500.00
Venmo$342.00
Toyota Auto Loan-$18,240.00
Net Worth$65,928.25

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.

Ask anything...

Meet Coco AI

Your personal financial advisor that knows your complete picture. Ask anything, get instant answers.

Spending insights & projections
Budget & goal recommendations
Subscription management
Proactive money alerts

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."

James R.Debt-Free Journey
+87 credit score points

"Utilizo a Luna todos los días. Es una bendición tener total visibilidad de mis finanzas y tener una guía para mejorar cada día."

JennyMaestra
Ahorros +$2,000

"Luna se ha convertido, inevitablemente, en un hábito financiero saludable. He podido reducir mis gastos mensuales considerablemente, y mantenerme consistente."

HectorIngeniero
Gastos Reducidos -$750

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

$8.33/mo

$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
Get Started

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

7-day free trial
Cancel anytime
3-minute setup
Luna MoneyLuna Money

Building healthy financial habits for a better tomorrow.

Data encrypted
No ads
Privacy focused

© 2025–2026 Luna Money LLC. All rights reserved.

Disclaimer: The content, tools, and resources on Luna Money are intended solely for informational and educational purposes and should not be construed as professional financial, investment, or tax advice. Our materials are designed to provide general guidance and are based on the input and data provided by users. Luna Money makes no guarantee of the accuracy, completeness, or applicability of this content to individual circumstances. The Safe-to-Spend calculations, budgets, and insights provided are estimates only. We strongly recommend consulting a qualified financial professional who can provide personalized advice based on your unique financial situation before making any significant financial decisions. Luna Money is not a bank and does not hold funds. Bank connections are securely handled through Plaid. All content and tools on Luna Money are provided without any guarantees or warranties of any kind.