Thanks for the mention!

Jen here- founder of Lunch Money. Definitely give us a try if you're looking for something more modern and user-friendly. Lunch Money is less rigid than YNAB so much easier to get started on and build habits with.

If you (or anyone else reading this) decide to try it out, let me know you're from HN and I'll hook you up with a free month on top of the 14 day trial :)

Can you do envelope style budgeting with lunch money? I think I'll give it a shot regardless.

We don't adhere to any one budgeting philosophy. While we won't walk you through the envelope style budgeting the way YNAB does, you can certainly mimic it with the platform!

I had a checklist of requirements:

* OXF import so that duplicate transactions are not an issue.

* An iPhone app so my wife can see the state of the budget.

* Envelop budgeting by default.

Lunch Money meets none of these. I don't think I am the target market, but the UI has won me over. I'm totally going to do everything I can to make this work. I suspect the API will make that possible.

Amazing job on the interface, clean fast and appealing while showing loads of information all at once.

I use lunchmoney and it's the only financial tool i use and trust. super userfriendly