Pluto Budgeting
Next Level Budgeting
About
This app helps you manage your finances by budgeting based on your paycheck schedule, not calendar months. It calculates your safe spending amount and helps you save for irregular expenses, making financial planning simpler.
What's New in Pluto Budgeting
1.4.2
September 10, 2026
- NEW: Connect Apple Card, Apple Cash and Savings to bring in balances and transactions - UPDATE: Images in help articles load faster and look sharper - each is fetched at the size it's shown - UPDATE: Cleaner, calmer look across the dashboard, accounts, activity, explore and profile screens - UPDATE: Consistent screen and card headings throughout the app - FIX: The receipt viewer now fills the screen over the tab bar, with its header on the image and alerts on top - UPDATE: Larger, easier-to-tap buttons throughout the bank connection panels - UPDATE: Explore now groups its cards into AI Tools, Tools and Calculators sections - UPDATE: Pulse opens straight to your report — the one-time opt-in screen is gone - UPDATE: Dashboard summary cards get the soft violet gradient background, matching the web app - FIX: Saving a receipt image to your photos works again
MoreSubscriptions & In-App Purchases
Pluto Premium
Bank sync, matching, and virtual accounts.
FAQ
How does Pluto Budgeting handle irregular expenses?
Pluto Budgeting uses Incremental Savings to help you set aside small amounts from each paycheck for irregular or annual expenses like car insurance or holiday gifts. This ensures the funds are ready when the bill is due, preventing financial surprises.
What is 'Safe to Spend' in Pluto Budgeting?
Safe to Spend is a real-time figure calculated per account, indicating the amount you can safely spend. It considers your current balance, upcoming scheduled transactions, and reserved savings, providing an accurate spending guideline.
Does Pluto Budgeting have ads?
No, Pluto Budgeting is ad-free. The app explicitly states 'No ads. No upsells. No selling your data.' This ensures a clean and focused user experience.
What are the pricing details for Pluto Premium?
Pluto Premium is available for $9.99 per month or $99.00 per year. This premium tier unlocks features like automatic bank syncing and priority support.
How often is Pluto Budgeting updated?
The latest version of Pluto Budgeting is 1.3.5, and it was last updated on July 19, 2026. This indicates a consistent update schedule to improve the app and add features.
What devices does Pluto Budgeting support?
Pluto Budgeting is available for iPhone and iPod devices. The app is designed to be accessible on Apple's mobile platforms.
What is the age rating for Pluto Budgeting?
Pluto Budgeting has an age rating of 4+. This suggests it is suitable for a wide range of users, including younger individuals learning about financial management.
What's the difference between the free and premium versions of Pluto Budgeting?
The free tier of Pluto Budgeting offers full scheduling, Incremental Savings, and manual transaction entry. The Premium version adds bank sync for automatic transaction imports and priority support.
