What Luna App does

Luna App is a privately held, consumer-facing personal finance application founded in 2019 and headquartered in El Cerrito, California. According to the available firmographic material, the product is positioned as an AI-powered app that helps users split bills, track expenses, and manage personal finance. The intended end users are individual consumers and likely small social groups (roommates, couples, travel companions) who need to settle shared costs and monitor household spending.

The underlying product surface combines a bill-splitting utility with expense tracking and broader personal finance management, marketed as "AI-powered" though no proprietary models, technical architecture, or API surface is disclosed — the company explicitly confirms no public API or SDK exists. No app store links, technology stack details, integration partners, or feature-level documentation are present in the input, so the technical depth and platform architecture cannot be characterized beyond the high-level description.

The business model is not disclosed in the available data: there is no publicly disclosed pricing, no documented revenue model, no stated customer segments beyond the implied consumer base, and no partnership, advertising, subscription, or freemium structure is evidenced. Firmographic data indicates a very small organization of 1-10 employees with no reported funding rounds, management team details, or scale commentary, consistent with an early-stage or bootstrapped consumer product rather than a venture-backed operation.

Name

Luna App

Website

https://luna-app.com

Company type

Private

Founded year

2019

Headcount range

1–10 employees

Short description

Luna App is an AI-powered consumer application that helps individuals and small groups split bills, track shared expenses, and manage personal finances. Founded in 2019 and based in El Cerrito, California, it targets everyday users seeking simplified expense settlement.

Ownership category

akta.pro rank

Product category

Personal Finance Software

akta.pro primary industry

Savings Automation & Goal-Based Savings (FSAGADAC)

Keywords

• Expense tracking
• Bill splitting
• Personal finance management
• AI-powered budgeting
• Group expense sharing

Headquarters

HQ city

El Cerrito

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure

Core offering

Luna App is an AI-powered mobile application designed to help users split bills, track expenses, and manage personal finance. The app targets individual consumers seeking simplified ways to handle shared costs and monitor spending across personal and group contexts.

Differentiator

Problem solved

Functional benefit

Products and services

• Luna App An AI-powered app that helps individual users split bills, track expenses, and manage personal finance. Targeted at consumers who share costs with friends, family, or housemates.

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves2 records

Expansion highlights2 records

Direct peers

• Splitwise: Splitwise is the dominant standalone bill-splitting app for groups and roommates. It is the closest direct competitor to Luna App's core bill-splitting functionality, serving the same use case with overlapping target users.
• Cleo: Cleo is an AI-powered personal finance assistant with a chatbot interface for budgeting, expense tracking, and financial wellness. It is directly comparable to Luna App's positioning as an AI-native PFM app targeting similar consumer demographics.
• YNAB (You Need A Budget): YNAB is a subscription personal budgeting and expense management app for individuals and households. It overlaps with Luna App's personal finance management and expense tracking capabilities for the same consumer segment.
• Honeydue: Honeydue is a couples-focused bill-splitting and shared expense tracking app. It targets the same shared-finances use case Luna App addresses, with a similar mobile-first consumer experience.
• Monarch Money: Monarch Money is a subscription-based personal finance and budgeting platform focused on households. It competes with Luna App on the broader personal finance management use case and is a comparable AI-forward modern consumer PFM product.
• Albert: Albert is a consumer fintech app combining expense tracking, automated savings, and financial guidance. It addresses a similar PFM and bill-management use case to Luna App, including AI-driven insights.
• Rocket Money (Truebill): Rocket Money (formerly Truebill) is a subscription/expense-management and personal finance app that helps users track spending, cancel subscriptions, and budget. It directly overlaps with Luna App's expense tracking and personal finance management capabilities.

Others

• Plaid: Plaid is the dominant financial data aggregator that connects bank accounts to apps like Luna App. It is an enabling infrastructure provider rather than a direct competitor, but is highly relevant for any PFM app's data connectivity stack.

Broad incumbents

• Mint (Intuit): Mint, operated by Intuit, was the best-known free consumer PFM app for expense tracking and budgeting. Although Intuit sunset the standalone product in 2024, it represents the broad incumbent benchmark Luna App competes against in the consumer PFM space.
• Venmo: Venmo (PayPal-owned) is a mainstream peer-to-peer payment app that increasingly embeds group bill-splitting, shared expenses, and social finance features. It is a broad incumbent whose expansion into bill-splitting overlaps with Luna App's core use case.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights3 records

Customer concentration

• Xx.com/LunaAppHQ
• Facebookfacebook.com/LunaAppHQ
• LinkedInlinkedin.com/company/theluna

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Luna App