Luna Money
Know Before You Spend
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Know Before You Spend. One number tells you exactly what's safe to spend today.
Luna Money - Know Before You Spend
Luna Money is your home base for daily spending clarity. One powerful number — Safe to Spend — proactively guides you through every day, adjusting in real time as your financial picture changes. It accounts for your bills, budgets, goals, debts, and spending patterns so you never have to wonder if you can afford something. Spend with confidence knowing your financial health is protected.
Getting started is simple. Connect your accounts, customize your budget categories and income sources to your liking, and start categorizing. Luna Money learns from your patterns and begins categorizing automatically with high precision — the more you use it, the smarter it gets.
Safe to Spend
- A proactive, real-time algorithm that protects your financial health every single day
- Automatically reserves money for upcoming bills, active budgets, and savings goals
- Adjusts dynamically as you spend, earn, and as bills come due
- Takes the guesswork out of "can I afford this?" — just check one number
- Daily Check-In keeps you accountable and on track
Track
- Connect your bank accounts securely via Plaid and see everything in one place
- Automatic transaction imports from checking, savings, and credit cards
- Intelligent categorization that learns from your habits and gets smarter over time
- Search and filter any transaction across all your accounts
- Visual breakdowns of where your money goes each month
Budget
- Organize spending into Needs and Wants for a clear picture of essentials vs. discretionary
- Set monthly budgets with visual progress tracking
- Interactive charts and insights to spot trends before they become problems
Plan
- Create and track savings goals with target dates and priority rankings
- Monte Carlo simulations show your probability of reaching each goal
- Smart suggestions help you allocate savings efficiently
- Debt-aware recommendations prioritize high-interest debt alongside your goals
Coco - Your Money Companion
- Ask questions about your spending in plain language
- Get personalized insights based on your own financial data
- Available in English and Spanish
For Personal & Business
- Luna Money for everyday personal spending
- Luna Business for entrepreneurs — track Fixed and Variable expenses separately
- Keep your personal and business finances organized in one app
No Ads
Luna Money is designed with the sole purpose of helping you manage your money. We will never interrupt your experience with ads or try to sell you financial products.
Private and Secure
Luna Money uses bank-level 256-bit encryption and we never store your banking credentials. Our platform is read-only — there is no risk of your money moving. We take your privacy seriously and will never sell your personal or financial information to third parties. Face ID and Touch ID protection keep your data locked to you.
MEMBERSHIP DETAILS
Luna Money offers a free trial. After your trial period, a membership fee will be billed monthly or annually depending on your selected plan. Subscriptions are managed through our secure website.
Privacy Policy: https://lunamoney.io/privacy
Terms of Use: https://lunamoney.io/terms
Questions? support@lunamoney.io
Coco AI can now analyze photos, snap a receipt, bill, or document for instant financial insights. Performance improvements.
The developer, Luna Money LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- User Content
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Luna Money LLC
- Size
- 32.2 MB
- Category
- Finance
- Compatibility
Requires iOS 15.0 or later.
- iPhone
Requires iOS 15.0 or later. - iPad
Requires iPadOS 15.0 or later. - iPod touch
Requires iOS 15.0 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Personal Monthly $14.99
- Personal Yearly $99.99
- Business Monthly $29.99
- Business Yearly $249.99
- Copyright
- © 2026 Luna Money LLC