# Pluto Coach — Your calm, private money coach

> Your calm, private money coach (iPhone/iPad app by Pluto Coach.)

- Source: https://appshunter.io/ios/app/pluto-coach/id6478162055 (this page in markdown: same URL + `.md`)
- Developer: [Pluto Coach](https://appshunter.io/developer/1731327193)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 16.4 · 54 MB
- Languages: American English
- Released: 2024-03-10
- Data updated: 2026-10-27

## What is Pluto Coach?

Pluto is a calm, private money coach for people whose finances do not fit in one country, one currency or one spreadsheet.

Your whole picture, in one place
Add your accounts, investments, pensions, property and debts, in any of seven currencies. Pluto converts everything to your base currency so you always know your real net worth, and Today gives you one calm read of where you stand.

Statements, not bank logins
Start with ballpark balances, then import the statements you already receive, or scan a paper statement or receipt with your camera. Pluto reads them for you, so your picture stays current without handing over a single bank password.

A coach that checks the numbers
Connect your own AI provider key (for example Google Gemini) and ask questions in plain language. Answers are built from your actual accounts, and the figures the coach quotes are checked against your records.

Two minutes a day
Short lessons on things like asset allocation, debt and tax deadlines, each using your own money as the example and ending with one real step to take.

Plan the big moves honestly
See where you stand, what to firm up first and your next three moves, with a long-range projection of where your current path leads. Ask "Can I afford it?" before a car, a home or a career break and get a straight answer from your real bills, loans and goals.

Knows your bills before you do
Rent, loan repayments and renewals are lined up before they land, and goals such as an emergency fund or a down payment check in with you along the way.

Private by design
- Lock the app with Face ID and hide balances when it opens.
- No ads, no tracking, and your data is never sold.
- Export or delete your data whenever you want.
- The AI coach runs on your own AI provider key: your questions, and any statement you choose to scan, go to that provider under your key and its terms. Pluto never uses them to train models.

Coaching, not regulated advice
Pluto provides coaching and education, not regulated financial advice, and its AI can make mistakes, so check anything important before you act on it. For decisions with legal or tax consequences, speak to a qualified professional.

Your Pluto account works across iPhone, iPad and the web.

## Is Pluto Coach safe?

Not enough ratings yet to assess Pluto Coach.

## Is Pluto Coach legit?

Pluto Coach appears to be a legitimate app. The AppsHunter Legitimacy Score for Pluto Coach is 85 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 4 releases)

### 2.0.1 — 2026-10-27

Faster and calmer.
- Today opens in a single step, so your morning picture appears much sooner.
- A new loading screen while Pluto gathers your numbers on first open.
- Coming up is easier to read: bills grouped by week, at a glance.
Pluto is coaching, not regulated financial advice, and its AI can make mistakes.

### 2.0.0 — 2026-10-26

The all-new Pluto: rebuilt from the ground up.
- Today, Money, Plan and Learn in one calm app, with Ask Pluto a tap away on every screen.
- Every account in every country, with a net worth that explains why it moved.
- Two-minute lessons that end with one action on your own money.
- Bring your own AI key (a free Gemini key works) for the coach and statement scanning.
Pluto is coaching, not regulated financial advice, and its AI can make mistakes.

### 1.1.0 — 2024-03-12

Bug fixes and performance improvements.

### 1.0.0 — 2024-03-10

No release notes.

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## More apps by Pluto Coach

- [Pluto Health Coach](https://appshunter.io/ios/app/pluto-health-coach/id6478006794)
- [TrailTalkers](https://appshunter.io/ios/app/trailtalkers/id6747895364)
- [Warden of Pluto](https://appshunter.io/ios/app/warden-of-pluto/id6826599432)

All apps by Pluto Coach: https://appshunter.io/developer/1731327193

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*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 2026-10-27.*