[roughfalls]

This looks great and I'm inclined to give it a try. But do you have a privacy policy? I try to avoid services that sit between me and my financial institutions, as I worry they're building analytics off my spending patterns and selling it to third parties.

[jnfr]

A very valid concern! Our Privacy Policy is listed here: https://lunchmoney.app/privacy

A promise we make from the beginning is we're definitely not ever going to be selling any of your data. We don't have an incentive to since we're selling the service directly to the user as a subscription.

[projproj]

I felt the same way, and it's part of why I made spendweek.com (a privacy-first, easy-to-use competitor to Lunch Money, YNAB with a single focus on saving money instead of keeping track of all your accounts). I am sort of proud of my privacy policy, so it's a link right at the top of the home page.

Here's the basic manifesto of the SpendWeek framework in case anyone's interested: https://www.spendweek.com/blog/you-need-a-different-budget/

[DLarsen]

Nice domain and nice concept. I too am among those with a home-grown approach to managing the budget. Mine is more of a spending journal than it is about planning or reconciling the entire budget, with motivations similar to those who would have a meal journal. I focus on the decision making process and self-evaluate spending according to my budget and my overall values.

My approach won't appeal to a lot of folks, but there are dozens of us who find it super useful: https://www.spendlight.com/#how-it-works

We're on the same page regarding privacy. Except for taking money for the subscription, I keep my hands off bank accounts. And for those wanting a complete air gap, there's always the printable paper version: https://www.spendlight.com/download/paper-spending-journal

[nikon]

There are more than 4 weeks in a month, should you not divide by 4.33?

[jnfr]

Cool approach! Best of luck!