I would say Lunch Money is totally different from YNAB. We tried to rethink most aspects of budgeting and came up with our own philosophy of how to best approach it. My target audience isn't YNAB'ers since I know most of them are fiercely loyal to the YNAB philosophy, which is totally okay :)
To your point about collaboration, we track who did what, but we don't go as far as having a complete edit history. It seems like a good idea though, I'll add that to our backlog. Thanks for the feedback!
Could you elaborate more on how it is totally different?
I understand your target audience is not YNAB per se, but b/c of that very fierce loyalty you could draw some currently paying customers like myself. :)
I ask this in a genuine way but I'll try to play around with Lunch Money.
From your landing page, these features all exist in YNAB:
* being able to review transactions that need to be categorized, splitting transactions
* adding projected monthly expenses that haven't been charged yet
* warnings for an account not importing correctly
* allowing you to choose between what you spent last month vs budgeted last month vs spent on average
What does seem unique is better visualization on anticipation of spending and spending habits, which is definitely nice!
Though I think what you mean is perhaps the "feel" of budgeting vs the exact features. At the end of the day, YNAB just forces you to categorize vs envelope method technically.
To your point about collaboration, we track who did what, but we don't go as far as having a complete edit history. It seems like a good idea though, I'll add that to our backlog. Thanks for the feedback!