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OnTrack Money vs Lunda

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

OnTrack Money compared with Lunda
DetailOnTrack Money logo OnTrack MoneyLunda logo Lunda
What it doesSimple zero-based budgeting for spending clarity A planning calendar for your money: bills, paydays and payments on their days, with the balance each day leaves you, weeks and months ahead.
StageNot given Not given
FoundedNot given Not given
Based inUS Not given
Pricing modelFreemium Freemium
PricingFree: $0/month. Pro: $99.00/year ($8.25/month when billed yearly) or $12.99/month when billed monthly. Eligible U.S. App Store subscribers get 14 days free trial, then $99.00/year. Free: The calendar with one calendar, repeating items, notes, search, computer and phone access, and calendar app import. Paid yearly: $69 USD a year (save 18%), includes Cash Flow Forecast, What-If Scenarios, Debt Planner, Savings Planner, Investment Planner, Card Rewards Optimizer, Challenges, Rep
Key features
  • Zero-based budgeting method
  • Manual transaction tracking
  • Intelligent recommendations for tracking
  • Recurring line items
  • Search across transactions and budget items
  • Export to CSV or XLSX
  • Cross-device sync
  • Calendar view of bills, paydays and planned payments
  • Debt Planner to turn payments into a payoff plan with target month
  • Savings Planner with goal dates and target paydays
  • What-If Scenarios to test purchases before committing
  • Integration with Lunch Money and YNAB
  • Investment Planner for tracking investment goals
  • Card Rewards Optimizer to maximize rewards
  • Multi-currency calendar support
What makes it different
  • Built on simplicity by design, avoiding bloated features most people don't use
  • Free plan includes core budgeting without paid features
  • Works seamlessly across iOS, iPad, and web with real-time sync
  • See your exact balance every day for weeks and months ahead, not just today
  • Works standalone without connecting to other apps; integrations are optional
  • Free plan with full calendar forever after 14-day trial of all features
  • Phone app coming soon for iPhone and Android; web version works in phone browser today
Community votes00
DR (Domain Rating by Ahrefs)7 +2 (up) since last check10 no change since last check
Trust Flow (Majestic)03
Citation Flow (Majestic)1313
Referring domains (Majestic)14

5 details filled in for both companies.

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