Head-to-Head Comparison · Alternative to Lunch Money · 💰 personal finance
Lunch Money vs Wealthfolio
Transactions, rules, spending reports and net worth on your device; automatic account sync is paid. Here is how Wealthfolio ($0/mo open source) stacks up against Lunch Money ($10/mo) across cost, hosting, data privacy, and real-world trade-offs.
Wealthfolio
$0.00/mo · AGPL-3.0
Lunch Money vs Wealthfolio Specification Matrix
facts verified 2026-08-11
| Dimension | Lunch Money (Paid) | Wealthfolio (Replacement) |
|---|---|---|
| Monthly Price | $10 / mo | $0 / mo |
| 1-Year Cost (1 seat) | $120 / yr | $0 / yr (Save $120) |
| 1-Year Cost (5 seats) | $600 / yr | $0 / yr (Save $600) |
| 1-Year Cost (10 seats) | $1,200 / yr | $0 / yr (Save $1,200) |
| Source & License | Proprietary SaaS | open source AGPL-3.0 |
| Where It Runs | Vendor Cloud | Local or hosted (your machine or their cloud) |
| Platforms | Web / Cloud | desktopmobilewebself-hostedone-click install |
| GitHub Stars | — | ★ 8.5k (active aug 2026) |
Deep Dive: Switching from Lunch Money to Wealthfolio
Trade-offs, installation & data architecture
What you trade away
Wealthfolio is portfolio-centered and has thinner budgeting, recurring-expense, multi-currency transaction, and rule-management tools than Lunch Money.
How to deploy Wealthfolio
Native desktop or iOS app, or the official Docker image/Compose deployment for web mode
Where your data lives
Desktop and self-hosted modes use a local SQLite database (the web server exposes a configurable app.db path); optional Wealthfolio Connect and encrypted device sync send selected holdings/account data through the vendor service.
Why fork Wealthfolio instead of vibe-coding a Lunch Money clone?
The core loop is buildable, but a dependable replacement becomes a real weekend or multi-day project. For Lunch Money, import transactions and maintain a transparent personal ledger with rules and reports. The hard boundary is bank sync, multi-currency support, api, community, and hosted convenience, plus financial integrations, compliance, and trust.
Lunch Money vs Wealthfolio FAQ
Is Wealthfolio a good free alternative to Lunch Money?+
Yes. Wealthfolio is a verified open-source (AGPL-3.0) replacement for Lunch Money. Transactions, rules, spending reports and net worth on your device; automatic account sync is paid.
What is the catch when switching from Lunch Money to Wealthfolio?+
Wealthfolio is portfolio-centered and has thinner budgeting, recurring-expense, multi-currency transaction, and rule-management tools than Lunch Money.
How much do you save switching from Lunch Money to Wealthfolio?+
Lunch Money costs $10/mo ($120/yr) per seat, whereas Wealthfolio is $0/mo. Switching saves $120/yr for a solo user, $600/yr for a 5-person team, and $1,200/yr for a 10-person team.
How do I install or self-host Wealthfolio instead of Lunch Money?+
Install: Native desktop or iOS app, or the official Docker image/Compose deployment for web mode.
