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
1.5.4
October 16, 2026
- NEW: Reserved funds under Explore: see what's set aside, borrow from it when you're short, and put it back - NEW: Search help articles in the help center - NEW: Setup starts by naming your workspace, with suggestions - UPDATE: When Safe to Spend is low, you can borrow from your reserved funds - UPDATE: Loans show your next payment - UPDATE: Transaction details show how a payment was made and what it was for - FIX: An account could show Low Funds on one screen and On Track on another
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.
