Ghostfolio
Lunch Money
| Feature | Ghostfolio | Lunch Money |
|---|---|---|
| Pricing | Free / from $5.99/mo | From $10/mo |
| Free Plan | ✓ Yes | ✗ No |
| Rating | 4.3 / 5 | 4.4 / 5 |
| Best For | privacy-focused-investors, self-hosters, passive-investors, international-portfolios | digital-nomads, developers, international-users, crypto-holders |
| Founded | 2021 | 2019 |
| Portfolio Tracking | ✓ | ✗ |
| Performance Analysis | ✓ | ✗ |
| Allocation Views | ✓ | ✗ |
| Multi Currency | ✓ | ✓ |
| Dividends | ✓ | ✗ |
| Benchmarking | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Bank Sync | ✗ | ✓ |
| Budgeting | ✗ | ✓ |
| Crypto Tracking | ✗ | ✓ |
| Api | ✗ | ✓ |
| Rules Engine | ✗ | ✓ |
✓ Ghostfolio Pros
- Open-source with self-hosting option
- Privacy-focused (no data selling or ads)
- Supports stocks, ETFs, crypto, commodities
- Beautiful portfolio allocation visualizations
✗ Ghostfolio Cons
- Limited broker integrations (manual entry mostly)
- Smaller community than commercial alternatives
- No tax-loss harvesting or advisor features
✓ Lunch Money Pros
- Excellent multi-currency support
- Developer-friendly API
- Clean modern interface
- Good crypto tracking
✗ Lunch Money Cons
- No free plan
- Limited mobile app
- Fewer automated rules
The Verdict
Ghostfolio is built for privacy focused investors and self hosters, with a focus on portfolio-tracking and performance-analysis. Lunch Money targets digital nomads and developers and leads with bank-sync and multi-currency.
Pricing is close: Ghostfolio starts at $5.99/mo versus $10/mo for Lunch Money — not a deciding factor on its own.
Ghostfolio has a free plan, which gives it a meaningful edge for individuals and small teams exploring their options. Lunch Money requires a paid subscription from day one.
Feature-wise, Ghostfolio offers broader built-in capabilities (7 features vs 6), while Lunch Money takes a more focused approach — which can mean a simpler, faster onboarding experience.
This is a genuinely close comparison. If you can, sign up for both free trials (where available) and run a one-week test with your actual team tasks before deciding.