Pluto Budgeting
Next Level Money Management
About
This app helps you manage your finances by focusing on your paychecks and upcoming bills. It calculates how much you can safely spend and automatically sets aside money for future expenses, preventing surprises.
What's New in Pluto Budgeting
1.5.7
November 3, 2026
- NEW: Retrospective shows where your money went, as a flow chart - NEW: Give a bill, card, loan or income a merchant's logo - NEW: See which service you paid through, like PayPal or Venmo - UPDATE: Come back right where you left off - UPDATE: Search ignores apostrophes, and merchant names are cleaner - FIX: Some card payments were counted as spending - FIX: A brief connection hiccup no longer signs you out - FIX: Banks that sign in on their own site return you to Pluto on iPhone
MoreSubscriptions & In-App Purchases
Pluto Premium
Bank sync, matching, and virtual accounts.
FAQ
What is Pluto Budgeting's main budgeting method?
Pluto Budgeting uses a paycheck-based budgeting system, meaning it aligns your budget with your income schedule rather than a calendar month. This helps you manage money based on when you actually get paid and when bills are due.
How does Pluto Budgeting help with unexpected expenses?
The app features 'Scheduled Savings,' allowing you to set aside funds for irregular or annual expenses like insurance or holidays. Pluto then automatically spreads the cost across your paychecks so the money is ready when needed.
What is 'Safe to Spend' in Pluto Budgeting?
'Safe to Spend' is a real-time calculation that shows you exactly how much money you can safely spend after accounting for upcoming bills, savings, and your current balance. It helps prevent you from overspending.
Does Pluto Budgeting have ads?
No, Pluto Budgeting is ad-free. The app explicitly states it has no advertisements, ensuring a clean user experience focused on financial management.
What are the costs associated with Pluto Budgeting?
Pluto Budgeting offers a free tier with core scheduling and savings features. A Premium subscription is available for $9.99 per month or $99 per year, which includes automatic bank sync and priority support.
How does Pluto Budgeting handle bank transactions?
Pluto Budgeting offers smart matching for bank transactions, comparing them against your scheduled bills. The Premium version includes automatic bank sync via a secure, read-only connection for seamless import.
What devices does Pluto Budgeting support?
Based on the provided data, Pluto Budgeting is currently supported on iPhones. Information regarding Android or other device compatibility is not available.
How often is Pluto Budgeting updated?
The latest version of Pluto Budgeting is 1.5.7, which was last updated on November 3, 2026. This indicates a relatively recent update, suggesting ongoing development and maintenance.
