# Luna Money — Know Before You Spend

> Personal finance app for spending clarity, budgeting, and savings goals. (iPhone/iPad app by Luna Money LLC.)

- Source: https://appshunter.io/ios/app/luna-money/id6758221103 (this page in markdown: same URL + `.md`)
- Developer: [Luna Money LLC](https://appshunter.io/developer/1871523777)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Rating: 5.00/5 from 5 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 31 MB
- Languages: English
- Released: 2026-03-11
- Data updated: 2026-08-30
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/luna-money/id6758221103/reviews.md

## What is Luna Money?

Luna Money - Know Before You Spend

Luna Money is your home base for daily spending clarity. One powerful number — Safe to Spend — proactively guides you through every day, adjusting in real time as your financial picture changes. It accounts for your bills, budgets, goals, debts, and spending patterns so you never have to wonder if you can afford something. Spend with confidence knowing your financial health is protected.

Getting started is simple. Connect your accounts, customize your budget categories and income sources to your liking, and start categorizing. Luna Money learns from your patterns and begins categorizing automatically with high precision — the more you use it, the smarter it gets.

Safe to Spend
- A proactive, real-time algorithm that protects your financial health every single day
- Automatically reserves money for upcoming bills, active budgets, and savings goals
- Adjusts dynamically as you spend, earn, and as bills come due
- Takes the guesswork out of "can I afford this?" — just check one number
- Daily Check-In keeps you accountable and on track

Track
- Connect your bank accounts securely via Plaid and see everything in one place
- Automatic transaction imports from checking, savings, and credit cards
- Intelligent categorization that learns from your habits and gets smarter over time
- Search and filter any transaction across all your accounts
- Visual breakdowns of where your money goes each month

Budget
- Organize spending into Needs and Wants for a clear picture of essentials vs. discretionary
- Set monthly budgets with visual progress tracking
- Interactive charts and insights to spot trends before they become problems

Plan
- Create and track savings goals with target dates and priority rankings
- Monte Carlo simulations show your probability of reaching each goal
- Smart suggestions help you allocate savings efficiently
- Debt-aware recommendations prioritize high-interest debt alongside your goals

Coco - Your Money Companion
- Ask questions about your spending in plain language
- Get personalized insights based on your own financial data
- Available in English and Spanish

For Personal & Business
- Luna Money for everyday personal spending
- Luna Business for entrepreneurs — track Fixed and Variable expenses separately
- Keep your personal and business finances organized in one app

No Ads
Luna Money is designed with the sole purpose of helping you manage your money. We will never interrupt your experience with ads or try to sell you financial products.

Private and Secure
Luna Money uses bank-level 256-bit encryption and we never store your banking credentials. Our platform is read-only — there is no risk of your money moving. We take your privacy seriously and will never sell your personal or financial information to third parties. Face ID and Touch ID protection keep your data locked to you.

MEMBERSHIP DETAILS
Luna Money offers a free trial. After your trial period, a membership fee will be billed monthly or annually depending on your selected plan. Subscriptions are managed through our secure website.

Privacy Policy: https://lunamoney.io/privacy
Terms of Use: https://lunamoney.io/terms

Questions? support@lunamoney.io

## Key features

- Safe to Spend real-time financial health indicator
- Secure bank account connection via Plaid
- Intelligent transaction categorization
- Customizable budget tracking (Needs vs. Wants)
- Savings goal planning with Monte Carlo simulations
- AI-powered money companion (Coco)
- Personal and business finance management

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Personal Monthly | $14.99 | per month |
| Personal Yearly | $99.99 | per year |
| Business Monthly | $29.99 | per month |
| Business Yearly | $249.99 | per year |


## Chart rankings

- #194 in Top Grossing · Finance (US App Store)

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/luna-money/id6758221103/reviews.md

### 5/5 — La mejor app

*2026-03-23*

Tengo 62 años y esta aplicación me ha ayudado a manejar mis finanzas en mi etapa del retiro. Súper recomendada.

### 5/5 — The best app Lunamoney!

*2026-03-14*

The best finance app — it helps me organize my monthly payments and avoid unnecessary spending.

## Frequently asked questions about Luna Money

### What is Luna Money's 'Safe to Spend' feature?

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.

### How does Luna Money ensure security for connected accounts?

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.

### Can Luna Money be used for both personal and business finances?

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.

### Does Luna Money have ads?

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.

### What kind of insights does Coco, Luna Money's companion, provide?

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.

### How does Luna Money help with savings goals?

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.

### What is the update frequency for Luna Money?

Luna Money was last updated on March 11, 2026, with version 1.0. Further update frequency details are not provided.

### What devices is Luna Money available on?

Luna Money is available on iPhone, iPad, and iPod. It has an age rating of 4+.

## Version history (last 2 releases)

### 1.1 — 2026-04-24

Coco AI can now analyze photos, snap a receipt, bill, or document for instant financial insights. Performance improvements.

### 1.0 — 2026-03-11

No release notes.

## Related topics

[luna money](https://appshunter.io/ios/topics/luna-money)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*