Beta · macOS 11+

Your bank already emails you the data.

Lunra reads the PDF statement, extracts every transaction, and categorizes it. No bank password, no Plaid, no typing things in by hand.

Download for Mac Mac App Store — coming soon

Apple silicon and Intel. Universal build, 9.0 MB.

Lunra — Import

Three statements a month are on us. Add your own key for unlimited imports.

Every other option asks for something you should not give.

Your bank password

Aggregators hold credentials for millions of accounts. Connections break on every bank redesign, and a breach is not hypothetical.

Or an evening of typing

The privacy-first alternative is usually manual entry. A single credit card month is 70 to 140 lines. Nobody keeps that up past February.

And $13 to $15 a month

Roughly $160 a year to look at your own transactions, on a subscription you have to remember to cancel.

Three steps, then you are done.

Download the statement your bank already sends you. Everything after that happens on your machine.

Step 01

Drop in the PDF

Drag one file or a folder of them. Lunra detects the bank and the statement period, and skips statements it has already imported. Password-protected files prompt for the password and are unlocked in memory. It also reads receipt photos — JPG, PNG, HEIC, or WebP.

  • Mar 8, 2026 — Apr 7, 2026 87 transactions
  • Apr 8, 2026 — May 7, 2026 101 transactions
  • May 8, 2026 — Jun 7, 2026 139 transactions
  • Jun 8, 2026 — Jul 7, 2026 71 transactions
Step 02

Review what it read

Every transaction shows the raw statement line under the cleaned merchant name, so you can check the parse rather than trust it. Recategorize anything that is wrong once; the rule sticks for that merchant from then on.

DateMerchantCategoryAmountAccount
Jul 15, 2026 Membership Fee InstallmentMEMBERSHIP FEE INSTALLMENT Fees & Charges −CA$15.99
Jul 15, 2026 Uber EatsUBER EATS TORONTO Dining −CA$39.73
Jul 13, 2026 PayPal *AicaMerchanPAYPAL *AICAMERCHAN 17280818884 Shopping −CA$5.12
Jul 7, 2026 Interest Charges — PurchasesINTEREST CHARGES-PURCHASE Fees & Charges −CA$188.57
Jul 3, 2026 Bell CanadaBELL CANADA (OB) MONTREAL QC Utilities −CA$103.96
Step 03

See where it went

Spend, income, and net across any range. Category breakdown, top merchants, month-over-month movement, and an annual digest once you have a year in.

Total Spent

CA$7,544.06

▼70.7% vs previous period

Total Income

CA$9,120.00

CA$3,040.00 monthly average

Net

CA$1,575.94

Across 3 months, 2 accounts

Spending by Category

  • TravelCA$1,553.76
  • DiningCA$1,445.10
  • ShoppingCA$1,434.72
  • GroceriesCA$750.45
  • UtilitiesCA$475.57
  • TransportationCA$421.77

Top Merchants

  • Uber Eats 12 charges CA$487.21
  • Amazon.ca 9 charges CA$412.88
  • Presto 21 charges CA$228.00
  • Loblaws 7 charges CA$196.44
  • Bell Canada 3 charges CA$103.96

What is in the app

Categorization that learns

Correct a merchant once and Lunra writes a local rule. The next statement applies it before the model is ever called.

Categories you control

Rename, merge, recolor, or add your own. The category set is yours, not a fixed taxonomy you have to live inside.

Dashboards and budgets

Spend by category, top merchants, monthly trend, per-category budgets with on-track, warning, and over states.

CSV export, any time

Every transaction, category, and rule exports to CSV. The database is plain SQLite in your Application Support folder — nothing is locked in.

Search and filters

Search every transaction from anywhere with ⌘K. Filter by date, category, account, or amount.

Manual entry when you need it

Cash, splits, and the transaction that has not posted yet. Add it by hand and it sits alongside everything imported.

Bring your own key

Bring a key, or bring nothing.

Reading a statement costs money, because an AI model has to look at it. If you would rather not deal with a key, three statements a month are on us — download the app, drop in a PDF, nothing to set up.

Add your own API key and that limit goes away entirely. Every import runs on your key from the start, and you pay the model provider directly for what you use, at their price, with no margin added by us.

The key is stored in Lunra's application data on your Mac and does one thing: send statement text to be read and get transactions back. Revoke it whenever you like from the Anthropic console, where you can also set a monthly spend cap.

Create one at console.anthropic.com, then paste it into Settings and press Test Key.

Choose Sonnet for dense or unusual statements and Haiku for simple ones — Haiku costs less per statement. Lunra does not add a fee to either.

AI Provider

Provider

Anthropic

API Key

•••••••••••••••••••••••••••••••••••••• Show
Test Key

Valid ✓

Model

Claude Sonnet

Sonnet is more accurate for complex statements. Haiku is faster and cheaper for simple ones.

Where your money data lives.

On your Mac, in a file you own. There is no Lunra account and nothing to log into. Two things go out over the network, and both are worth being clear about.

On your Mac

  • The statement files. Read from where you dropped them. They are never uploaded anywhere, not even when a statement is being parsed.
  • Your transactions. A plain SQLite database in your Application Support folder, backed up by Time Machine like any other file.
  • Account and card numbers. Redacted down to the last four digits before the parsing step runs, along with names and addresses the statement labels. What that misses.
  • Your API key, if you add one. In Lunra's application data on your Mac, sent only to Anthropic.

What goes out

  • The text of a statement you import. Reading a statement takes an AI model, and the model runs on a server rather than on your Mac. So the text of that one document is sent out to be read, and structured transactions come back. Nothing from inside your statements is sent unless you import a file.
  • The model is Claude, made by Anthropic. On the free tier the request goes through Lunra on our key. Add your own key and it goes straight from your Mac to Anthropic, with us out of the path entirely.
  • It is not used to train anything. Anthropic's API terms say API inputs are not used to train their models. We keep the text only long enough to parse it, then drop it.
  • Anonymous usage events. Counts and fixed labels — that an import was started, how many transactions you kept, that a filter was used. Never a merchant, an amount, a category name or anything you typed. The full list is in the privacy policy.

Read the full privacy policy — every destination data is sent to, and what redaction does and does not catch.

Next to the alternatives

These are good apps. They are built on a different trade: you give them a bank connection, they give you automation, and you pay monthly for it.

Compiled from each product's public pricing and feature pages, August 2026. Check them before deciding.
Lunra Copilot Monarch YNAB
Price Free $13/mo or $95/yr $14.99/mo or $99.99/yr $14.99/mo or $109/yr
Bank login required No Yes, for automatic import Yes, for automatic import Optional — manual entry supported
PDF statement import Yes, any format No — CSV only No — CSV only No — CSV, QFX, OFX
Native Mac app Yes Yes Web and mobile Web and mobile
Free tier Yes Trial only Trial only Trial only
Bring your own AI key Yes No No No
Data stored On your Mac Their cloud Their cloud Their cloud

Pricing

Available now

Lunra

Free

No paywall at launch. No card. No account. Your own key optional.

  • Three statements a month parsed on us — no key needed.
  • Unlimited imports once you add your own key.
  • Every feature. Nothing held back.
  • Unlimited accounts, statements, and history.
  • CSV export, so leaving is easy.
Download for Mac
Planned

Lunra Plus

Not priced yet

A paid tier will come later, for people who would rather not manage an API key. What exists today stays free.

  • Managed parsing without your own key.
  • Encrypted sync between your own devices.
  • Nothing that is free today moves behind it.

Questions

Which banks work?

Any bank that gives you a PDF statement. There is no per-bank integration to break, because there is no integration — the model reads the document the way you would. It has been used most on Scotiabank, RBC, TD, Amex, and Chase statements. If a statement parses badly, send the file and it gets looked at.

What happens to my PDFs?

They stay where you put them. Lunra reads the file on your Mac, extracts the text, and sends only that text to be parsed — on our key for your first three statements a month, or straight to Anthropic if you have added your own. The file itself is never uploaded, and the transactions that come back are written to a local database.

Is it really free?

The app is free and there is no paywall at launch. Three statements a month are parsed at our expense. Beyond that you either wait for the month to roll over or add your own key, in which case Anthropic bills you directly at their rates and we take nothing. A paid tier is planned later for people who want higher limits without managing a key; it will not take anything away from the free app.

Do I need an API key?

Not to start. Three statements a month are parsed on our key, with nothing to set up — enough for one card and one account. Past three, add your own key and imports become unlimited. Everything that is not an import works either way: manual entry, categories, budgets, search, dashboards, and CSV export.

What if I stop using it?

Export everything to CSV, or take the SQLite file — it is a standard database with a readable schema. Deleting the app and its Application Support folder removes every trace, because there is no account to close.