How to cancel Lunch Money: export, cancel billing and delete your account

Cancel means delete: know this first

Lunch Money does not keep a dormant free account after you cancel. The Billing page, reached through Settings, offers a single option to cancel your subscription and delete your account, and the billing docs say your account and all associated data are purged and unrecoverable within 48 hours. [1] [2]

If you are only on a trial, you may not need to do anything: accounts five days past trial expiry with no billing information are purged automatically. If the Billing page option does not work, email [email protected] and the team says it will delete the account within 48 hours. [2]

Pause or cancel?

The alternative to cancelling is Pause my subscription on the same Billing page. While paused you are not charged and a pro-rated credit for unused time is applied to your account for future bills, but you cannot access your data. Pausing also gives up your current plan and locked-in price; when you unpause you choose from the plans and prices offered at that time. [1]

Export everything before you cancel

The docs describe separate exports rather than one full-account download, so do each of these. [3] [4] [5]

• Transactions: on the Transactions page click the Export to CSV icon above the table, at the far right. Only transactions in the active visible view are exported, so set the view to cover all time and clear filters first. [3]
• Balances: go to Home, Net Worth, click View/Edit Data, set the period picker to the full date range and click the download icon. The file includes each account's name, status, type and recorded balances. [4]
• Categories: on the Categories page, open the arrow next to Add new category, choose Export Categories and Copy to Clipboard. The text lists one category per line, with subcategories marked by a hyphen. [5]
• Developers: the open-beta API, using a token from Settings, Developers, can pull data programmatically. [6]

Revoke bank and API access

Deleting the account removes data on Lunch Money's side, but it is good practice to close the other doors too. In Lunch Money, open each synced account on the Accounts page, click Troubleshoot or remove account and choose to remove it; inactive accounts in an active connection keep a valid access token, so remove the connection rather than single accounts. [7] [10]

Plaid lets you see which apps you have connected and control ongoing access in Plaid Portal at my.plaid.com. [8] In Lunch Money, the Active Access Tokens card under Settings, Developers lists every API token with its last activity and lets you revoke each one, which also cuts off third-party sync tools that use it. [6]

Refunds

The support documentation we read does not state a refund policy. The only credit mechanism it documents is the pro-rated credit for unused time when you pause, which is applied to future billing rather than paid back. [1] If you have just renewed, email [email protected] before cancelling, because cancelling purges the account and all associated data within 48 hours. [1] [2]

Cancellation checklist

• Decide pause versus cancel using the table above. [1]
• Export transactions (all time, no filters), net worth balances and categories, and open each file. [3] [4] [5]
• If you are a budget admin, tell collaborators before you delete. [9]
• Ask support about any refund before cancelling. [2]
• Remove synced connections and revoke API tokens. [6] [7]
• Review Plaid Portal for leftover connections. [8]
• Cancel from Settings, Billing; expect data to be purged within 48 hours. [1]