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Stoke Money vs Lunch Money

Lunch Money is an indie, web-first budgeting app with CSV import, native multi-currency, and a public API that outside tools, including community MCP servers, are built on.

Lunch Money spots your recurring items and tells you when they've arrived. Stoke projects them forward, with transfers and card payments, into a day-by-day balance for every account. You see the day money gets tight before it arrives, and there's no budget to keep.

Side by side

 Stoke MoneyLunch Money
Price
From $9/moFrom $60/yr
$10/moFrom $60/yr
Free option
YesManual entry only
No
Balance forecasting
Yes
No
Recurring detection
Yes
Yes
True cash flow forecasting
YesCash flow modeled on credit card and loan payments, not charges
No
Budgeting
NoBy design. Spending forecasted instead.
Yes
Bank sync
  • Yes: Plaid
US and Canada
  • Yes: Plaid
US, Canada, and parts of Europe
Multi-currency
  • Yes: Accounts in any currency
  • No: Conversion to one currency
  • Yes: Accounts in any currency
  • Yes: Conversion to one currency
Investments
  • Yes: Balances
  • No: Holdings
  • No: Performance
  • Yes: Balances
  • No: Holdings
  • No: Performance
Household sharing
No
Yes
Mobile apps
No
YesiOS and Android
AI agent
YesMCP, read and write. Pro only.
No
Export / API
  • No: Export as CSV
  • No: API
  • Yes: Download via AI agent (MCP)
Pro only
  • Yes: Export as CSV
  • Yes: API
  • No: Download via AI agent (MCP)

Verified September 2026. Corrections: feedback@stoke.money

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