Gain clarity on your daily spending with a single, real-time number that accounts for bills, budgets, and goals. Connect your accounts securely to track transactions, set budgets, and plan for savings with intelligent insights. Manage personal and business finances in one place, free from ads.
1.1
April 24, 2026
Coco AI can now analyze photos, snap a receipt, bill, or document for instant financial insights. Performance improvements.
Daily Safe to Spend, bank sync, AI, budget tracking
The 'Safe to Spend' feature is a proactive, real-time algorithm that protects your financial health. It automatically reserves money for upcoming bills, active budgets, and savings goals, adjusting dynamically as your financial picture changes.
Luna Money uses bank-level 256-bit encryption and connects securely via Plaid. The platform is read-only, meaning your money cannot be moved, and your banking credentials are never stored.
Yes, Luna Money offers features for everyday personal spending and a separate 'Luna Business' option for entrepreneurs to track fixed and variable expenses. You can keep both personal and business finances organized in one app.
No, Luna Money is designed to be ad-free. The app states it will never interrupt your experience with advertisements or attempt to sell you financial products.
Coco can answer questions about your spending in plain language and offers personalized insights based on your financial data. It is available in both English and Spanish.
You can create and track savings goals with target dates and priority rankings. The app uses Monte Carlo simulations to show your probability of reaching each goal and offers smart suggestions for efficient allocation.
Luna Money was last updated on March 11, 2026, with version 1.0. Further update frequency details are not provided.
Luna Money is available on iPhone, iPad, and iPod. It has an age rating of 4+.
