Choose your tool
SheetLink is better if you…
- Budget in a spreadsheet: Google Sheets or Excel
- Want up to 2 years of history from every bank
- Want to connect as many banks as you like for one price
- Want to start free, with no trial clock
- Prefer nothing running in the background
Lunch Flow is better if you…
- Use Lunch Money, YNAB, Actual Budget or Firefly III and need your bank in it
- Bank outside North America (it covers 30+ countries)
- Only have one or two banks and want the lowest yearly price
- Want a daily sync without pressing anything
Feature comparison
| Feature | SheetLink | Lunch Flow |
|---|---|---|
| Free plan | 1 bank, your last 7 days | 7-day trial |
| Monthly price | Pro: $4.99/mo, every bank you connect | $5.49/mo for 4 connections, then $1/mo each |
| Yearly price | Pro: $39.99/yr, every bank you connect | $34.99/yr for 2 connections, then $10/yr each |
| Google Sheets | Chrome extension, into any sheet you choose | Shared with its service account as an editor |
| Microsoft Excel | Add-in (Pro and Max) | No Excel destination |
| Budgeting apps | Lunch Money, YNAB, Actual Budget, Firefly III and more | |
| How syncing works | When you press Sync now | Daily, with an optional manual mode per connection |
| Banks | Plaid: 10,000+ in the US and Canada | MX and Finicity in the US and Canada; GoCardless and others elsewhere |
| History | Up to 2 years (Pro and Max) | Around 90 days from most providers |
| Your transactions | Pass through to your sheet; not stored | Not stored in its default “live” mode |
Prices and plans as published by each company on October 7, 2026.
When to choose SheetLink over Lunch Flow
Your budget lives in a spreadsheet
SheetLink is built for Google Sheets and Excel: a Chrome extension for Sheets, an add-in that runs inside Excel, and the same 34 columns every time. Lunch Flow treats Google Sheets as one destination among many and has no Excel option.
You want your history and all your banks
SheetLink Pro pulls up to 2 years from every bank you connect, for one price. Lunch Flow prices by connection, and most of its providers return around 90 days of history.
You want to try it first
SheetLink’s Free plan connects one bank and syncs your last 7 days, with no trial clock. Lunch Flow starts with a 7-day trial.
When Lunch Flow might be the right fit
You budget in an app, not a sheet
If you use Lunch Money, YNAB or Actual Budget and need a bank feed for it, that’s what Lunch Flow is for. SheetLink doesn’t send data to budgeting apps.
You bank internationally
Lunch Flow covers banks in 30+ countries through regional providers. SheetLink covers the US and Canada through Plaid.
Why on-demand sync?
SheetLink never reaches into your bank on a schedule you didn’t set. Pressing Sync now before your weekly or monthly review gives the same result as a daily job, with no background access in between.
Questions
What is the main difference between SheetLink and Lunch Flow?
Lunch Flow is a connector: it pulls bank data from providers in 30+ countries and sends it daily to budgeting apps like Lunch Money, YNAB and Actual Budget, to Google Sheets, or to an API. SheetLink is built for spreadsheets: it puts your transactions in Google Sheets or Excel when you press Sync now, with up to 2 years of history and a free tier.
How much does Lunch Flow cost?
Lunch Flow is $5.49 a month for 4 connections ($1 a month for each extra), or $34.99 a year for 2 connections ($10 a year for each extra), after a 7-day trial. SheetLink is free for one bank; Pro is $4.99 a month or $39.99 a year for every bank you connect. Prices checked October 7, 2026.
Which banks does each one use?
In the US and Canada, Lunch Flow connects through MX and Finicity, and it uses other providers elsewhere (GoCardless in the UK and Europe, for example). SheetLink connects through Plaid to 10,000+ banks and credit unions in the US and Canada.
How much history do I get?
Lunch Flow says most of its providers return around 90 days by default. SheetLink Pro and Max pull up to 2 years from every bank you connect.