Monthly price
- Lunch Money
- US$10CAD billing also available
- Finnomia
- Core $8.99 CAD/monthAdvanced $14.99 CAD/monthFamily $24.99 CAD/month
FinnomiaLunch Money
Finnomia vs Lunch Money
Two independent money apps with different strengths
Lunch Money is Canadian-founded and excels at multicurrency tracking, flexible workflows and developer access. Finnomia is built and operated in Canada with CAD pricing, household plans, registered-account room, debt planning and CPP/OAS retirement scenarios.
Choose Lunch Money if multicurrency support, its public API or a single all-inclusive feature set matters most. Choose Finnomia if you want deeper Canadian planning tools and a structured household product.
Credit card required. Cancel before the 14-day trial ends to avoid a charge. Plans are billed in Canadian dollars; taxes extra.
- Canadian-owned and built
- Prices in Canadian dollars
- Read-only bank connections
Compare at a glance
| Feature | Lunch Money | Finnomia From $5.99 CAD/month on annual Core |
|---|---|---|
| Monthly price | US$10CAD billing also available | Core $8.99 CAD/monthAdvanced $14.99 CAD/monthFamily $24.99 CAD/month |
| Annual price | US$60–150choose your priceCAD billing also available | Core $71.88 CAD/yearAdvanced $107.88 CAD/yearFamily $179.88 CAD/year |
| Canadian bank connections | Yes | Yes |
| Bank data aggregators | Plaid | Plaid and Flinks |
| Contribution-room tracking | No dedicated tools | Yes — Advanced and Family |
| Household access | Yes; invited collaborators | Up to 5 on Family |
Finnomia vs Lunch Money at a glance
Annual price
- Lunch Money
- US$60–150choose your priceCAD billing also available
- Finnomia
- Core $71.88 CAD/yearAdvanced $107.88 CAD/yearFamily $179.88 CAD/year
Canadian bank connections
- Lunch Money
- Yes
- Finnomia
- Yes
Bank data aggregators
- Lunch Money
- Plaid
- Finnomia
- Plaid and Flinks
Contribution-room tracking
- Lunch Money
- No dedicated tools
- Finnomia
- Yes — Advanced and Family
Household access
- Lunch Money
- Yes; invited collaborators
- Finnomia
- Up to 5 on Family
Prices are shown in their billing currency. Annual billing is paid upfront. Monthly equivalents and temporary offers are labelled.
Updated October 14, 2026
Credit card required. Cancel before the 14-day trial ends to avoid a charge. Plans are billed in Canadian dollars; taxes extra.
Which should you choose?
Choose Lunch Money if…
- You manage money across several currencies.
- You want a public API or custom developer workflows.
- You want every feature included in one subscription.
- Crypto wallet tracking is important to you.
- You prefer web-first software with a public roadmap and changelog.
- Flexible collaborator permissions suit your household or team.
Choose Finnomia if…
- You want a product based and operated in Canada.
- You want predictable Canadian-dollar pricing.
- You want Canadian registered-account contribution-room tools.
- You want an integrated debt-avalanche and debt-snowball planner.
- You want retirement projections that incorporate CPP and OAS.
- You want a clearly defined Family plan with a shared household view.
Full feature comparison
Finnomia features marked Yes are included on every plan unless a plan is named. Native apps are in internal beta; mobile web access is available now. “Not documented” means we could not confirm a feature in the sources reviewed.
| Feature | Lunch Money | Finnomia |
|---|---|---|
| Plans & pricing | ||
| Available plans | One all-inclusive subscription | Core, Advanced, Family |
| Monthly price | US$10CAD billing also available | Core $8.99 CAD/monthAdvanced $14.99 CAD/monthFamily $24.99 CAD/month |
| Annual price | US$60–150choose your priceCAD billing also available | Core $71.88 CAD/yearAdvanced $107.88 CAD/yearFamily $179.88 CAD/year |
| Free tier | No | No |
| Free trial | 30 days; no credit card required | 14 days; credit card required |
| Billing currency | CAD, USD or EUR | CAD |
| Connections & data | ||
| Canadian bank connections | Yes | Yes |
| Bank data aggregators | Plaid | Plaid and Flinks |
| Connected accounts | Unlimited | Core: up to 2; Advanced and Family: unlimited |
| Manual accounts | Yes | Yes |
| CSV import | Yes | Yes |
| Budgeting & everyday money | ||
| Category budgets | Flexible category and group budgets | Yes |
| Automatic categorization | Yes | Yes |
| Split transactions | Yes | Yes |
| Budget rollover | Yes | Yes |
| Recurring bills and subscriptions | Yes | Yes |
| Custom alerts | Not documented | Yes |
| Receipts and tags | Yes | Yes |
| CSV export | Yes | Yes — Advanced and Family |
| Goals & Canadian planning | ||
| Goals | Not documented | Yes |
| Net-worth tracking | Yes | Yes — Advanced and Family |
| Investment tracking | Balances and assets | Yes — Advanced and Family |
| Cash-flow forecasting | Recurring calendar and projected recurring activity | Yes — Advanced and Family |
| Debt payoff planner | Debt balances can be tracked | Yes — Advanced and Family |
| Contribution-room tracking | No dedicated tools | Yes — Advanced and Family |
| CPP/OAS retirement scenarios | No dedicated tools | Yes — Advanced and Family |
| Household & access | ||
| Household access | Yes; invited collaborators | Up to 5 on Family |
| Web app | Yes | Yes |
| Native iOS app | Companion mobile app | Internal beta |
| Native Android app | Companion mobile app | Internal beta |
| Other differences | ||
| Multicurrency | Native support for 160+ currencies | CAD with limited USD conversion |
| Public developer API | Yes | No |
Prices remain in their stated billing currency. Annual monthly equivalents require annual payment. Taxes, exchange rates and card-provider foreign-currency fees may affect the final charge. Promotional and renewal prices can differ.
Updated October 14, 2026
Finnomia plans and pricing
Choose the plan that fits your needs. All prices are in Canadian dollars.
Core
Everyday budgeting and spending.
- Monthly billing
- $8.99 CAD/month
- Annual billing
- $71.88 CAD/year
- Equivalent to $5.99/month, billed annually.
- Up to 2 connected accounts across up to 2 institutions
- Budgets, bills, transactions and standard goals
- Manual accounts and CSV import
Advanced
Everything in Core, plus financial planning.
- Monthly billing
- $14.99 CAD/month
- Annual billing
- $107.88 CAD/year
- Equivalent to $8.99/month, billed annually.
- Unlimited connected accounts
- Investments, contribution room and net worth
- Cash flow, debt and retirement planning
- Advanced goals and CSV export
Family
Everything in Advanced, together.
- Monthly billing
- $24.99 CAD/month
- Annual billing
- $179.88 CAD/year
- Equivalent to $14.99/month, billed annually.
- Up to 5 members, including the subscriber
- Separate member sign-ins
- Shared household budgets and overview
- Switch between personal and household views
Every plan includes a 14-day free trial. Credit card required. Cancel before the trial ends to avoid a charge. Taxes extra. Compare all Finnomia plan features.
Where Lunch Money stands out
Lunch Money is not simply another US budgeting product with a Canadian landing page. It is Canadian-founded, supports Canadian bank connections and explicitly accommodates people who hold CAD and USD accounts together.
Its strongest differentiators are multicurrency support, a public API, flexible budgeting approaches and an all-inclusive subscription.
Where Finnomia goes further for Canadian planning
Finnomia’s Canadian focus extends beyond account connectivity. Advanced and Family plans include contribution-room tracking for TFSA, RRSP, FHSA and RESP accounts, debt payoff modelling and retirement scenarios incorporating CPP and OAS.
Finnomia also offers a dedicated Family tier for up to five household members, with shared budgets and a household view while preserving individual access.
Canadian connectivity is a product priority
Finnomia combines Plaid with Flinks, a provider with deep Canadian financial-data expertise and relationships with Canadian institutions. Flinks gives us a connection option built around Canadian banking alongside Plaid’s broader network.
Support varies by institution and account type. Check our connection status page and try your accounts during the trial. Manual accounts and CSV imports are available on every plan.
More control over everyday money and the longer-term plan
Review transactions, correct categories, split purchases and create rules that reduce repeat work. On Family, you can assign transaction reviews to household members and keep individual transaction details private while sharing balances and spending totals.
Advanced and Family bring investments, net worth, debt payoff and cash-flow forecasts together with Canadian retirement planning. Explore CPP and OAS timing, future contributions and retirement income in today’s or future dollars. These are planning estimates, not guaranteed outcomes.
Why Canadians choose Finnomia
Built for Canadian financial life
Canadian institutions
Flinks adds Canadian financial-data expertise to our Plaid connectivity, giving us another route to support Canadian institutions and resolve connection issues. Check your institution and account type on our connection status page.
Canadian accounts
Track TFSA, RRSP, FHSA and RESP contribution room alongside investments and net worth on Advanced and Family.
Canadian retirement
Model retirement income and compare CPP and OAS claiming assumptions as part of a broader drawdown plan.
Canadian-dollar pricing
Know what your subscription costs without converting a US-dollar list price or paying a foreign-currency card fee.
Household finances without shared passwords
The Family plan supports up to five members with shared household budgets and a combined household view.
A Canadian social purpose
Five percent of Finnomia’s profits support Canadian charities advancing financial and economic literacy.
FAQ
Sources
- Lunch Money pricing
- Lunch Money for Canada
- Lunch Money Mint comparison
- Lunch Money YNAB comparison
- Lunch Money Monarch comparison
- Lunch Money Canadian article
- Finnomia pricing
- Flinks Canadian coverage documentation
- Lunch Money annual plan minimum
- Lunch Money billing currencies
Published by Finnomia. We compare public product, pricing and support documentation with Finnomia’s available features. Source names appear above. Prices, features and institution support can change. Where a feature is not established in the reviewed documentation, we say so rather than treating it as unavailable. Mint information is historical.
Lunch Money is a trademark of its respective owner. Finnomia is not affiliated with Lunch Money.
See your Canadian financial life in one place
Connect your accounts, understand your spending and build a clearer plan for what comes next.
Credit card required. Cancel before the 14-day trial ends to avoid a charge. Plans are billed in Canadian dollars; taxes extra.