Lunch Money alternative for Europe.
Lunch Money is a beloved indie finance tracker. It supports multiple currencies and crypto. But it doesn't use European Open Banking — and it doesn't forecast.
Wealthos connects to 3,000+ EU and UK banks via regulated Open Banking, projects a decade of wealth in your home currency, and layers on an AI assistant and MCP server for Claude and ChatGPT. €5 a month.
Why people look for a Lunch Money alternative.
Lunch Money's fans love it for good reason — it's indie, it's thoughtful, and it respects power users. If you're happy with it, keep going. If you've hit its ceiling, three things usually trigger the search for an alternative.
No European Open Banking
Lunch Money uses Plaid (US/Canada) and supports manual imports elsewhere. Wealthos uses regulated Open Banking across 3,000+ EU and UK banks.
No forecast
Lunch Money is backward-looking. Wealthos projects 10 years ahead and lets you run scenarios.
No AI layer
Wealthos has a built-in assistant and an MCP server, so you can use Claude, ChatGPT, Mistral, or OpenClaw directly on your real accounts.
A wealth tracker built for Europe.
- Open Banking (PSD2) — read-only connections to over 3,000 EU and UK banks.
- Multi-currency — balances in EUR, GBP, CHF, DKK, SEK, PLN and more, auto-converted at live rates.
- Forecast-forward — a 10-year net-worth projection in your home currency.
- Life-scenario simulator — model a promotion, a move, a child, a sabbatical.
- AI assistant + MCP — ask questions in plain English, or connect Claude, ChatGPT, Mistral, and OpenClaw to your real data.
- GDPR-focused — encrypted in transit and at rest, on EU infrastructure.
Wealthos vs Lunch Money.
| Feature | Wealthos | Lunch Money |
|---|---|---|
| Core strength | Multi-country wealth + forecast | Flexible indie tracking + tagging |
| Bank coverage (Europe) | 3,000+ EU and UK banks via Open Banking (PSD2) | Primarily Plaid (US/Canada); manual for EU/UK |
| Multi-currency | Native — live conversion | Yes (well-supported) |
| Crypto support | Manual, live prices | Manual, live prices (stronger tooling) |
| Forecast horizon | 10 years | None |
| Life-scenario simulator | Yes | No |
| AI assistant | Built-in, plus MCP for Claude / ChatGPT / Cursor | Rule-based automations; no assistant |
| Pricing | €5/mo or €45/yr | $10/mo or $100/yr |
| Data residency | EU infrastructure, GDPR | US |
Lunch Money is $10/mo or $100/yr. Wealthos is €5/mo or €45/yr. Both are indie-spirited, flat, single-plan products. Wealthos is about half the annual price with Open Banking across Europe built in.
When Lunch Money is the right pick.
Lunch Money is a genuinely good product. If the following describe you, stay with it:
- You love power-user tagging, rules, and a clean JSON API.
- Your crypto and manual-transaction flow is already dialled in.
- You want to support a small indie maker.
- You're happy without a forecast.
Different people want different things, and both products can be right depending on what you value.
Who should switch to Wealthos.
Wealthos is the better fit when:
- You bank across the EU and UK and want real Open Banking instead of CSVs.
- You want a 10-year forecast, not just a clean transaction log.
- You want to ask an AI assistant "am I on track?" with your real balances.
- You want EU data residency under GDPR.
- You'd like to pay €45 a year rather than $100.
How to move from Lunch Money.
Moving across is smooth.
- 01Sign up for Wealthos — 7-day free trial on the yearly plan.
- 02Connect your European banks via Open Banking.
- 03Export from Lunch Money (CSV) and import historical transactions if you want them.
- 04Add crypto and manual accounts.
- 05Cancel Lunch Money before the next billing cycle.
Common questions about switching.
Free calculators to try first.
Three free tools that cover the same ground as Lunch Money — no account needed.
Net Worth Calculator for Expats in Europe
Aggregate accounts across EU countries and currencies into one clear total.
Multi-Currency Net Worth Calculator
Track EUR, GBP, CHF, DKK, SEK — auto-converted at live rates.
FIRE Calculator
Project your path to financial independence in your home currency.