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
1.3.9
August 28, 2026
- NEW: Investments now show a balance history chart - total portfolio value over the last 3 or 6 months, and per-account on each investment's detail screen; drag across it to read the balance on any day - NEW: Each holding on an investment account now shows its own mini value chart for the selected range, alongside a clearer two-column layout and the day's change as a coloured badge - UPDATE: Onboarding no longer opens with a separate "how Pluto works" tour - the same explanations now appear right where they matter, on the bank, income and expense steps - UPDATE: Improved adjust search experience when finding transaction matches
MoreSubscription plans
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.