Lunch Money
Simplifi by Quicken
| Feature | Lunch Money | Simplifi by Quicken |
|---|---|---|
| Pricing | From $10/mo | From $71.88/mo |
| Free Plan | ✗ No | ✗ No |
| Rating | 4.4 / 5 | 4.1 / 5 |
| Best For | digital-nomads, developers, international-users, crypto-holders | beginners, solo-budgeters, former-mint-users, investors |
| Founded | 2019 | 2020 |
| Bank Sync | ✓ | ✓ |
| Multi Currency | ✓ | ✗ |
| Budgeting | ✓ | ✗ |
| Crypto Tracking | ✓ | ✗ |
| Api | ✓ | ✗ |
| Rules Engine | ✓ | ✗ |
| Spending Plan | ✗ | ✓ |
| Investment Tracking | ✗ | ✓ |
| Net Worth | ✗ | ✓ |
| Subscription Tracking | ✗ | ✓ |
| Savings Goals | ✗ | ✓ |
| Reports | ✗ | ✓ |
✓ 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
✓ Simplifi by Quicken Pros
- Affordable at roughly half the price of YNAB
- Spending Plan feature is uniquely intuitive
- Investment tracking and net worth included
- Clean interface with low learning curve
✗ Simplifi by Quicken Cons
- No monthly billing option
- No separate user profiles for families
- US-only availability
The Verdict
Lunch Money is built for digital nomads and developers, with a focus on bank-sync and multi-currency. Simplifi by Quicken targets beginners and solo budgeters and leads with spending-plan and bank-sync.
On pricing, Lunch Money is the clear winner for budget-conscious users — starting at $10/mo compared to $71.88/mo for Simplifi by Quicken. That $61.879999999999995/mo difference adds up quickly for growing teams.
Neither tool offers a free plan, so factor the subscription cost into your decision from the start.
Lunch Money edges out on user ratings (4.4 vs 4.1). While both are well-regarded, that gap reflects real differences in user satisfaction worth considering.
Feature-wise, Simplifi by Quicken 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.
Bottom line: Lunch Money has a slight overall edge — but if affordable at roughly half the price of ynab matters most to you, Simplifi by Quicken may still be the right call.
