Introducing Less Panic: See What's Coming from Your Checking Account
Track credit card payments, bills, and income without tracking every transaction. Automatic balance syncing, AI statement detection. Try free for 30 days.
Do you really need to track every coffee purchase? Or do you just need to track credit card payments from your checking account — along with bills and income — to know if you have enough money to cover what’s due?
As a LunchMoney user myself, I was already tracking my spending carefully. But I realized something important:
I didn’t need to categorize every transaction. I needed to see what’s coming out of my checking account this month, and whether I had enough to cover it.
That question led me to build Less Panic.
The Problem with Traditional Budgeting Apps
Apps like YNAB, LunchMoney, and Monarch Money are excellent for budgeting — tracking every transaction, categorizing spending, and creating detailed budgets.
But they require constant attention. Every coffee, every lunch, every transaction needs categorizing.
For many of us, that’s overkill.
We don’t need a microscope on our daily spending. We need a telescope to see what’s coming.
Less Panic solves a different problem: it focuses exclusively on predictable money — the credit card payments, bills, and income that hit your checking account every month.
Who Less Panic Is For
Less Panic is designed for people who want to know one thing: “Do I have enough in my checking account to cover what’s coming?”
Sarah’s Story: The Exact Use Case
Sarah has a straightforward financial setup:
- Two credit cards: Chase ($1,200/month due on the 15th), Amex ($450/month due on the 3rd)
- Rent: $1,800/month (due on the 1st)
- Car payment: $350/month (due on the 1st)
- Phone bill: $80/month (due on the 10th, paid from checking)
- Freelance income: $3,500/month (deposits vary)
Sarah doesn’t track every coffee purchase or subscription — those charges go on her credit cards and are already included in her monthly credit card payments.
What she DOES track in Less Panic:
- 💳 Chase Credit Card - $1,200/month
- 💳 Amex Credit Card - $450/month
- 📄 Rent - $1,800/month
- 💸 Car Payment - $350/month
- 📄 Phone Bill - $80/month
- 💰 Freelance Income - $3,500/month
She connects her LunchMoney account to automatically sync her checking account balance (you can also update balances manually if you prefer).
What she sees when she opens Less Panic:
Checking Account: $4,200
Coming this month:
- Mar 1: Rent (-$1,800) → Projected: $2,400
- Mar 1: Car payment (-$350) → Projected: $2,050
- Mar 3: Amex payment (-$450) → Projected: $1,600
- Mar 10: Phone bill (-$80) → Projected: $1,520
- Mar 15: Chase payment (-$1,200) → Projected: $320 ⚠️
- Mar 20: Freelance deposit (+$3,500) → Projected: $3,820 ✅
She immediately sees: She’ll dip to $320 before her next paycheck.
Time to move some money from savings or wait on the Chase payment.
This is exactly what Less Panic is built for.
No transaction categorization. No budget vs. actual tracking.
Just a simple answer: “What’s coming out of my checking account, and do I have enough?”
What Makes Less Panic Different
🔄 Automatic Balance Syncing
Connect your LunchMoney account to automatically sync balances from any banks you’ve already connected there.
When transactions match your scheduled bills, we’ll mark them as complete automatically.
Don’t have LunchMoney? You can still manually update balances and track your routines — LunchMoney just adds automatic syncing and transaction matching.
✉️ AI-Powered Statement Detection
Forward credit card statements and bills to your unique Less Panic email address.
Our AI extracts amounts, due dates, and payee information automatically, creating or updating routines for you to review — no manual entry needed.
📊 See What’s Coming
See everything at a glance:
- Upcoming payments
- Projected balances
- Completion status
Available in both light and dark modes, and fully responsive for mobile.
Getting Started
Ready to try Less Panic?
👉 Sign up for a free 30-day trial - no credit card required.
Check out our pricing ($5/month or $50/year) or browse our FAQ for common questions.
We’re just getting started, and we’d love to hear your feedback.
Reach out at [email protected] with questions or suggestions.
Here’s to simpler bill management!