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Lunch Money vs WYGIWYH: catalog facts
Lunch Money	WYGIWYH
Paid Paid subscription after a 30-day free trial, with the price locked in for life.	Free Free and open source under the AGPL-3.0 licence.
Web	Web, Self-hosted
Strong multi-currency support Developer API and rules engine for automation	Multi-currency support across accounts Custom transaction rules and an automation API
Paid after the trial Financial data is stored by a hosted service	Opinionated no-budget approach will not suit people who want budgets Requires self-hosting with Docker
Web application, Hosted service	Self-hosted
Closed source	Open source
License not stated	License: AGPL-3.0
Account needed	Not stated if an account is needed
Not stated if it works offline	Not stated if it works offline
Official website Full listing and sources Checked September 23, 2026	Official website Full listing and sources Checked October 2, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.