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A side-by-side look at both apps — pricing, features, and who each one is really for.
Every row, including the ones we do not win.
| Feature | Hunch | Lunch Money |
|---|---|---|
| Starting price | $4.99/mo | $10/mo |
| Free tier | ✓ | — |
| What 'free' costs elsewhere, per year | $0/yr forever | $100/yr |
| Bank sync on the free tier | ✓ | — |
| Bank sync (Plaid) | ✓ | ✓ |
| CSV import (any bank) | ✓ | ✓ |
| AI assistant | ✓ | — |
| Auto-categorization | ✓ | ✓ |
| Net worth tracking | ✓ | ✓ |
| Full web app | ✓ | ✓ |
| Data export | ✓ | ✓ |
Lunch Money pricing and features as of July 2026 and may change. Lunch Money is an independent product, not affiliated with, endorsed by, or sponsored by Hunch; its name is a trademark of its owner, used here for identification only.
Most rivals lock bank connections behind a subscription. Hunch syncs your bank via Plaid even on the free plan.
If a bank is not supported for live sync, you are never blocked — import a CSV from any institution and keep going.
Ask Hunch answers questions about your money and categorizes transactions, with personal identifiers hidden from the model.
Lunch Money has no built-in AI assistant at all. Hunch includes one — plus a free, read-only connector that lets Claude, ChatGPT or another MCP-compatible assistant answer questions from your real accounts, on every plan.
If you want the same CSV-friendly flexibility plus a free tier, bank sync, and a built-in AI assistant, Hunch is a strong alternative. Lunch Money is subscription-only at around $10/mo.
Yes. CSV import from any bank is core to Hunch and available on the free tier.
Yes. Lunch Money exports transactions to CSV, and Hunch imports it. See the Lunch Money migration guide.
Not a public developer API yet — this is one area where Lunch Money currently leads.
Bring your Lunch Money data into Hunch in a couple of minutes — free to start.
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