Rasa Money vs Lunch Money
Lunch Money is a well-known personal finance app with bank sync, a rules engine and a public API. Rasa Money is a multi-currency manager built around permanent per-transaction rates. This page compares what each one ships today, including where Lunch Money is the better choice.
Who this comparison is for
Both apps handle more than one currency, so the useful questions are different ones. Do you want transactions pulled from your bank, or entered and imported by you? Do you want a rules engine, or a smaller tool built around currencies, debts and running balances with people?
If bank feeds, rules automation, split transactions, shared budgets or a developer API are on your must-have list, Lunch Money is the stronger match and we say so below. If your money lives in several currencies and you want each transaction's rate to stay put, read on.
Verdict
Choose Rasa Money if your money crosses currencies and you want a budget limit in one currency, debts and settlements that keep their own currency, and a rate that is stored once per transaction date and never recalculated. Choose Lunch Money if you want automatic bank sync, a rules engine, split transactions, collaborators or a public API. Lunch Money has far more breadth today, and Rasa Money is deliberately narrower.
The short version
The full table is above. These are the differences that usually decide it.
- Rate history: Rasa Money stores the mid-market rate for each transaction's date and does not change it later. We have not tested how Lunch Money treats past conversions, so check before you rely on either.
- Bank sync: Lunch Money syncs institutions through Plaid. Rasa Money never connects to a bank; you import CSV or XLSX files or enter transactions yourself. That is a design choice, and it is also the biggest gap if you want feeds.
- Budgets: Rasa Money sets each limit in one currency while spending lands in others at the stored rate. Lunch Money budgets by period with rollover, presets and copy-forward.
- Debts: Rasa Money tracks installment schedules in the debt's own currency, with progress and reminders. Lunch Money records loans as accounts.
- Settlements: Rasa Money tracks running IOU balances with a person or company in any currency, and closes them when the balance reaches zero. We found nothing equivalent in Lunch Money's public docs.
- Automation: Lunch Money has conditions-and-actions rules. Rasa Money has recurring transactions, suggested recurring series, and an assistant (Rasa AI) that drafts records but writes nothing until you press Confirm.
- Scope: Rasa Money is not a bank, broker or financial advisor, and it does not move money.
Feature by feature
What each app does today. Green marks a strength, amber marks a gap or limit. Lunch Money's column comes from its public help center and API documentation, not from running the product.
Last checked Oct 2026. If a row is wrong or out of date, tell us through the contact page and we will fix it.
What rate-lock means in practice
Rasa Money stores the mid-market rate for each transaction's own date. Budgets, debts and historical totals reuse that stored rate, and it never changes. Today's rate is used only for future-dated cross-currency items, as an estimate that is corrected on the day.
Two things are not locked. Net worth and account balances convert at today's rate, and changing your base currency changes how combined totals are shown. The underlying transactions keep their own amounts and rates either way.
We have not tested how Lunch Money handles historical rates, and we would rather say so than guess. Before switching in either direction, export a few months of multi-currency activity and check whether a transaction's converted amount moves when you reopen it later.
When Lunch Money fits better
You want transactions to arrive on their own through bank sync, or you want rules that categorise and clean them up as they come in. You also get split and grouped transactions, receipt attachments, shared budgets with collaborators, budget rollover, an analysis tool and a public API.
You hold crypto and want balances synced from an exchange or wallet. Lunch Money supports that; in Rasa Money a crypto wallet is a manual account, like cash.
When Rasa Money fits
You earn, spend or save in several currencies and want each transaction's rate to stay fixed. You want one budget limit that holds when spending crosses currencies, debts that keep their own currency, and settlements that close when the balance evens out.
You are happy to import CSV or XLSX files or enter transactions yourself, and you would rather never hand a bank login to an app.
Questions people ask
Does Lunch Money support multiple currencies too?
Yes. Lunch Money lets you hold accounts in different currencies, converts to a primary currency, and syncs some crypto wallets, which Rasa Money does not. The difference is in how rates are treated after a transaction posts and whether a budget limit can stay in one currency while spending lands in several. Currency lists and integrations change often, so confirm the current details on their site.
Which is cheaper?
Rasa Money Basic is free with limits, and Pro is $9.99 a month or $83.99 a year with a 7-day trial. When this page was written Lunch Money listed pay-what-you-want annual pricing from $60 a year, but its pricing has changed before. Compare both pricing pages on the day you decide.
Can I move my Lunch Money data into Rasa Money?
Yes. Choose Lunch Money on the first screen of Rasa Money's import wizard and upload your Lunch Money transactions export, plus the optional Net Worth export for balances. It is a file import, not a live connection, and it is free on every plan, including Basic. Accounts, categories and tags are suggested from the files, opening balances are worked out so your accounts match Lunch Money today, and re-importing never creates duplicates. Budgets, rules and bank connections are not in the export, so you set those up again. Imports are all-or-nothing, so check the review screen before you commit.
Accuracy noteCompetitor features change. This page describes Rasa Money as it ships today and Lunch Money as described in its public help center and API documentation. Where we have not verified something, we say so. Check both products before you pay for either. Rasa Money is not a bank, broker or financial advisor.