# Pluto Budgeting — Next Level Budgeting > Paycheck-based budgeting app with real-time safe-to-spend calculations and incremental savings. (iPhone/iPad app by Pluto Budgeting LLC.) - Source: https://appshunter.io/ios/app/pluto-budgeting/id6754609330 (this page in markdown: same URL + `.md`) - Developer: [Pluto Budgeting LLC](https://appshunter.io/developer/1849199127) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 16.4 · 72 MB - Languages: American English - Released: 2026-05-13 - Data updated: 2026-09-01 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/pluto-budgeting/id6754609330/reviews.md ## What is Pluto Budgeting? Most budget apps tell you where your money went. Pluto tells you what you can safely spend right now, and makes sure the big stuff is already covered before you do. Budgeting by paycheck, not by month. Your bills don't care about calendar months. Your rent is due on the 1st. Your car insurance hits in March and September. Your paycheck lands every two weeks. Pluto works the way your money actually works. Tell Pluto your income schedule and your bills. It generates a transaction for every upcoming occurrence — rent, utilities, subscriptions, insurance, everything — organized by pay period. Once you're set up, it runs itself. Confirm a match, move on. Most users spend less than two minutes a day. Safe to Spend: the number you actually need. Your bank balance doesn't tell you what's safe to spend. It doesn't know your rent is due in four days or that your car registration lands next month. Safe to Spend does. It looks at your current balance, your upcoming scheduled transactions, and what's already been reserved for savings, then gives you one honest number. Per account. Updated constantly. Never get blindsided by a big bill again. This is where things get genuinely different. With Incremental Savings, you tell Pluto about an irregular expense — car insurance, property taxes, holiday spending, annual subscriptions — and it quietly sets aside a little from each paycheck so the money is ready when the bill arrives. $600 car insurance due in 6 months? Pluto divides it across your paychecks: $46 here, $46 there. By the time the bill hits, it's already funded. No scrambling. No overdraft. No anxiety. It works for anything that doesn't fit a monthly rhythm: HOA dues, a family vacation, back-to-school shopping, a birthday you know is coming. Set it up once. Stop worrying about it. Transactions that match themselves. When a bank transaction comes in, Pluto looks at your schedule and suggests the match. You confirm or adjust. No manual categorization. No month-end reconciliation marathons. Just a quick review when something needs your attention. A free tier that's actually useful. Pluto's free tier includes full scheduling, Incremental Savings, and manual transaction entry. Everything you need to get in control of your money. Premium adds bank sync so transactions import automatically, plus priority support. Pluto is $9.99 a month or $99 a year. No ads. No upsells. No selling your data. Just a tool that's quietly on your side. What you get: + Safe to Spend, calculated per account in real time + Schedule-based budgeting by pay period, not calendar month + Incremental Savings for irregular and annual expenses + Smart transaction matching with your scheduled bills + Pay Period Forecast to see what's coming before it arrives + Bank sync via secure, read-only connection (Premium) Pluto was built because the other options were either too simple to be useful, too complex to stick with, or too expensive to justify. Your money, finally making sense. Terms of Service: https://www.plutobudgeting.com/terms ## Key features - Budgeting by paycheck schedule - Real-time Safe to Spend calculation - Incremental Savings for irregular expenses - Smart transaction matching - Pay Period Forecast - Bank sync (Premium) ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Pluto Premium | $9.99 | per month | | Pluto Premium (Annual) | $99.00 | per year | ## Frequently asked questions about Pluto Budgeting ### 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. ## Version history (last 5 releases) ### 1.3.9 — 2026-08-28 - 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 ### 1.3.8 — 2026-08-22 - NEW: Pluto spots when your bank rounds up purchases into savings, and can group each round-up with the purchase that caused it - NEW: Pluto flags transactions that look unusual - duplicate charges, a burst of small purchases, or a known scam pattern - with an explanation of what was noticed and options to mark it as fine or flag it as fraud - NEW: Set-aside money now shows on transaction cards as its own "Setting Aside"/"Set Aside" state, so it's clear it isn't a purchase - NEW: Live bank sync progress on the dashboard, transactions screen and account cards - one consistent banner instead of a separate progress bar - NEW: Hidden accounts in a bank connection can now be deleted, not just added or restored - UPDATE: Rebuilt the credit card, loan and retirement calculators - clearer inputs, consistent layout and a new retirement growth chart - UPDATE: Coming Up transactions now use the same transaction card as the rest of the app - UPDATE: Bank connection details sheet sizes itself to your screen, with actions always reachable at the bottom - UPDATE: Updated to the latest Expo release for performance and stability - iOS 16.4 or later is now required - FIX: Event dates are off because of timezone differences - FIX: Re-opening the document scanner sometimes freezes the app - FIX: Account sync times read "1 minutes ago" / "1 days ago" - FIX: Bank connections sheet could open the details for the wrong institution - FIX: Dates showing a day early in balance forecasts, the Horizon and Pulse charts, this-month card totals, overdue day counts and payday setup - FIX: "Reconnect Bank" on an account no longer offers to fix a connection when the problem is on your bank's side and reconnecting can't help - you'll see why instead ### 1.3.7 — 2026-08-12 - NEW: Now plan and track spending around life events - UPDATE: Improved the UI elements for consistency throughout the app - UPDATE: Calendar view now uses same universal transaction cards - FIX: Unable to save on various forms after clearing merchant ### 1.3.6 — 2026-08-01 - NEW: Purpose-built date picker experience - NEW: Control how pending deposits are handled in the institution panel - UPDATE: Made merchant logos and text larger for easier use - FIX: Scanning and failed receipt scans now show immediately - FIX: Bank-sync process not showing correctly - FIX: Receipt image would overlap header in preview ### 1.3.5 — 2026-07-19 - NEW: Allow paying for planned transactions from virtual bank accounts - UPDATE: Improved the receipt scanning experience - UPDATE: Fixed layout of notifications - UPDATE: Updated design of the comments section on transactions - UPDATE: Account select now shows more details about accounts like balances --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*