What the currency did.
Balances in another currency are converted at the rate for each day, but what the exchange rate did to your net worth isn’t shown on its own line. When your net worth moves, you can’t tell whether it was you or the rate.
cent4cent vs Lunch Money
Lunch Money converts your currencies. cent4cent keeps them.
A spreadsheet-minded app with real multi-currency support, bank feeds, PDF statement import and a full API.
Claims about Lunch Money come from its own help centre and pricing page, as read in September 2026, paraphrased and rounded, with links below. Something wrong? support@cent4cent.com.
When Lunch Money is the better choice.
Someone with accounts in two currencies who wants bank feeds, likes a spreadsheet, and is happy with one row and one label per transaction.
Where Lunch Money runs out.
Money owed and holdings.
Its guide suggests grouping a shared bill with your friend’s repayment, or splitting off their share into a category left out of totals. Either way, what you’re owed isn’t a figure kept until it’s paid, and holdings are balances you type.
Whether the number is right.
Its knowledge base says it doesn’t have a reconciliation feature, so nothing checks an account against its statement.
Lunch Money and cent4cent, side by side.
| Lunch Money | cent4cent | |
|---|---|---|
| Sorting your transactions | Rules made from your edits, and no AI | Done for you, and re-sorted back through your history as it learns |
| When it isn’t sure | Marks every import as unreviewed | Asks you in plain words, and keeps the answer as a rule |
| Money owed to you | Grouped with the repayment | Kept by person, and closed automatically when they pay you back |
| A private holding and its terms | A balance you update | Your figure, with its terms said in a sentence: a co-owner, a loan against it, tax to come |
| A second currency | Yes, converted | Each account in its own currency, with what the rate did on its own line |
| What moved your net worth | A chart by account or type | Every month split into saved, markets and currency, to the cent |
| Checks every account against your bank | No | Every account, every month, to the cent |
| Australian banks | Through a paid add-on, or files | Any bank or fund, from its statements |
| Price | About US$100 a year, or set your own | A$10 a month or A$100 a year |
The sample month, kept in cent4cent.
In cent4cent the US-dollar accounts’ August shows −A$310.30 as currency, apart from the A$2,140.00 you saved.
See last month in cent4cent, next to Lunch Money.
Bring last month in and compare the two. 14 days free, no card needed.