Your money has answers. Just ask.
Smarty Cents turns your Lunch Money data into answers — ask plain-English questions about your spending, budgets, and net worth, and get your real numbers, never guesses.
- Peter: Hi Jennie, how are my budgets looking this month?
- Jennie:
Looking very strong this month, Peter. You're 27.9% under budget overall ✅
- Budget
- $1,930
- Spent
- $1,391.73
- Cushion
- +$538.27
On track: Home & Auto, Coffee Shops, Restaurants.
Watch: Groceries +$12.21 and Shopping +$23.99 over budget.
Want a chart, or should we dig into the Shopping overage?
- Peter: Plot my expenses over the course of the last 3 months
- Jennie:
On it — analyzing June through August. Here's your monthly spending, broken down by category:
Monthly spending by category
Jun – Aug 2026
Up and running in minutes
Add your Lunch Money access tokens
One token per Lunch Money budget — add as many as you have. Encrypted, read-only, yours to delete anytime.
Make it yours
Give your AI analyst a unique name and a conversation tone that fits your style.
Ask anything
Talk spending, budgets, saving rates, net worth and more with your personal AI analyst. Turn complex data into multi-year PDF reports in minutes.
Why Smarty Cents
An analyst's rigor with a friend's tone — built on your real Lunch Money data.
Real answers, real numbers
Every figure comes straight from your actual transactions. The AI explains your data — it never invents it.
Charts and reports
Turn a question into a visualization or a pro-grade multi-year report you can revisit and download.
Private by design
Read-only by default, tokens encrypted, and your financial data is never used to train AI models.
Your persona, your style
Name your analyst and pick its tone — strictly professional, or friendly with a hint of humor.
Start asking. It's free.
Every account starts with free credits, no payment required.
Questions first? Read the FAQ