more than one income, more than one account, a card or two, and still no clear answer. lune brings it all into one place, shows your net worth growing month by month toward the number you're aiming for, and tells you what you can spend today without the guilt.
moon: NASA's Scientific Visualization Studio. NASA does not endorse lune.
“three incomes, and i still can't tell if i'm getting ahead.”
lune: your net worth, month by month, so you can see it move.
“two cards, two due dates, and a balance i keep carrying.”
lune: every bill with its date, and paying it never counts twice.
“my money is in five places and i only know where three are.”
lune: cash, wallets, banks and cards on one screen.
“i budget so hard i feel guilty buying anything.”
lune: what's yours to spend today, so a nice dinner is a choice, not a worry.
1why lune
spending is only half the story. lune adds up everything you own and everything you owe, every month, so you can see whether you're really moving forward. try it with your own numbers.
2why lune
a budget shouldn't feel like a cage. lune keeps back your savings and what your bills will need, then shows what's left for today. spend it on what matters to you, and you'll know before you overspend, not after. tap + on the phone and log something.
type over any number. lune does this sum for you every time you log something.
LuneOctober ▾tap + and log a coffee. the number, the day and the moon all recount.
3why lune
a card purchase counts once, the day you make it. paying the bill later just moves money from your bank to the card. here's a whole month, step by step.
Activity
Today
counted as spending, today ✓
End of October
TECHCOMBANK VISA ·· 7730
Statement, October
Amount due6,500,000 ₫
Minimum payment325,000 ₫
Due date8 November
already counted as you spent it. nothing new.
Bills
Add a bill
CardTechcombank Visa
StatementOctober
Amount6,500,000 ₫
Due8 November
Save bill
Activity
1 November
payday. now the bill can be paid.
Techcombank Visa, October
Due8 November
Amount6,500,000 ₫
Paid so far0 ₫6,500,000 ₫
Record a payment
Pay fromTechcombank
Amount6,500,000 ₫
Record payment
Paid ✓ a transfer, not new spending
Accounts
Net worth
177,700,000 ₫
the payment didn't change it
4why lune
salary, client payments, a side gig: log income from as many places as it comes. cash, e-wallets, banks, savings, funds and cards sit side by side, adding up to your net worth. moving money between them never counts as spending.
5why lune
type a description, tab, an amount, enter. the row goes in and the total recounts, the way it does on the desktop.
| date | description | category | amount |
|---|---|---|---|
| today | |||
| today | lunch | eating out | −85,000 |
| today | Highlands Coffee | eating out | −59,000 |
| today | Grab | transport | −42,000 |
| spent today | ₫ |
who it's for
probably not for you if you want lune to read your bank automatically, or you want investment advice. lune is for knowing where you stand, in a few calm seconds a day.
spreadsheets are great. lune started as one. this is what changed when it became an app.
| a spreadsheet | lune | |
|---|---|---|
| your net worth over time | a chart you rebuild each month | from your accounts, month by month |
| what you can spend today | if you build the formula | on the first screen, every morning |
| a card bill counted once | if you remember not to log it twice | always; paying a card is a transfer |
| card due dates | a column you keep up yourself | every bill, with what's next |
| logging on your phone | fiddly cells on a small screen | three taps |
| last month's plan | copy the tab, fix the formulas | carried over for you |
| your old data | it's all there | import it, check every row |
free, with an email. nothing to install if you use it in the browser.
which accounts you have, what's in them, and when your income lands.
lune shows what you can spend today. log your next coffee and watch it recount.
everything you've seen on this page is in the free version.
no card needed. no bank login.
for when your money crosses borders.
who makes lune
“i built lune for my own goal: a net worth number i want to reach, and a way to still enjoy my money on the way there. financial freedom is the point. about 30 people are working toward theirs with me now, and i read every message they send.”
— duyên, founder, ho chi minh city
yes. everything on this page is in the free version. lune plus, with wallets in other currencies, will be the paid part when it arrives.
everything you own minus everything you owe: cash, bank accounts, savings and investments, minus what's on your cards. it's the clearest sign you're moving forward, so lune shows it every month.
on purpose. you log each spend yourself, which takes a couple of seconds, and those seconds are when you notice. you can also bring entries in from a spreadsheet or a bank statement and check each row first.
a purchase on a card counts once, when you make it. paying the card is a transfer that lune matches to that month's bill, so the bill marks itself paid and your spending isn't counted twice.
yes. on a bigger screen lune works like a spreadsheet: type rows, edit any cell, filter, and see a report of the month.
fifteen, from đồng and dollars to euros, yen and baht. pick yours in settings and every amount shows in it. keeping wallets in two currencies at once, say dollars from clients and đồng for everyday, is coming with lune plus.
yes. download the template, paste your rows in, and lune shows every row for you to check before anything is saved.
duyên, in ho chi minh city. it started as her own spreadsheet. write any time from inside the app.
three questions, and tonight you'll see where you stand. tomorrow morning you'll know what you can spend.