Compared
Orla vs Lunch Money.
The closest comparison here. Both independent, both outside America; the split is what a coin is: a balance, or a transaction.
Checked on 28 August 2026 against Lunch Money's own pricing page and documentation.
Side by side
What each one is, and what it costs.
Their words are quoted, not paraphrased.
| Orla | Lunch Money | |
|---|---|---|
| What it isIn one sentence | One book for banks, exchanges and wallets, with budgets, invoices and tax | An independent budgeting app with a rules engine, a public API and a community around it |
| PriceTheir pricing page, this month | Free plan with no time limit and no card; paid from $25 a month | 10 euros a month or 100 euros a year, with "set your own price" on the annual plan, a 30 day trial and a price locked for life |
| BanksWhere the sync reaches | Open banking in Europe, the UK and the US; statements and cash anywhere | Through Plaid: "most US and Canadian-based banks, as well as a number of EU-based banks" |
| CryptoThe line that decides this one | Trades, transfers and stablecoin income arrive as transactions, with a cost basis kept through swaps | "Crypto wallet transactions are not currently supported. You may only track the balance of crypto assets at this time." Balances sync from Coinbase, Ethereum and Kraken |
| Getting paidInvoices and pay links | Invoices, pay links, reminders, cards | None; it is not what Lunch Money is for |
| TaxWhat January looks like | Capital gains by lot, VAT returns for companies, exports an accountant opens | Not a tax product |
| SharingMore than one person | Spaces with roles: family, group, business, each with its own books | One budget, with an offer for organisations alongside it |
Fair is fair
When Lunch Money is the right choice.
This is the one we would recommend against ourselves most often.
- →Price matters most: theirs is the lowest here, you set it yourself on the yearly plan, and it is locked for life
- →Your crypto is a balance you check now and then, not money that moves and has to be taxed
- →You want an API and a rules engine to build your own reporting on, and they have had both for years
Where Orla is different
When a coin is money, not a number.
If any of these is your money, the comparison decides itself.
- →You are paid in stablecoins, and that income has to land in the budget and in the tax report, not in a balance
- →You sell on an exchange and need the gain worked out by lot, not remembered
- →You invoice clients, and want the invoice to chase itself and mark itself paid
Questions
The questions the table does not answer.
Does Lunch Money support crypto?
Balances only. Their documentation says it plainly: “Crypto wallet transactions are not currently supported. You may only track the balance of crypto assets at this time.” Balances sync from Coinbase, Ethereum and Kraken, and over 300 coins can be tracked by hand. In Orla a trade or a transfer is a transaction, with a cost basis carried through it.
Is Lunch Money cheaper than Orla?
On the paid plans, yes: 10 euros a month or 100 euros a year, which you can set yourself on the annual plan, against $25 a month for our lowest paid tier. Orla has a free plan with no time limit, and their trial runs 30 days, so the honest comparison depends on whether you need live sync.
Where do the two overlap most?
In spirit. Both are independent, both work outside America, both would rather explain a limitation than hide it. If your crypto is a balance you glance at and you do not send invoices, they are the cheaper answer and we would say so.
Didn't find your answer? [email protected]
Read next: budgeting apps that handle crypto, getting paid in crypto and taxed in euros.
Start
Run both for a month and see which one your coins fit.
Their trial is 30 days; our free plan has no clock on it at all.