# Modest Finance vs Pluto Budgeting

The clearest difference is ratings volume: Modest Finance at 13 against Pluto Budgeting's 1. Pluto Budgeting's advantage is iOS requirement (16.4 vs 18.0). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Modest Finance sells 4 in-app purchases, starting at $8.99 per month and Pluto Budgeting sells 2 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Modest Finance against 5.0 for Pluto Budgeting. That said, the two scores are not equally well evidenced: Modest Finance has 13 ratings behind it against 1, so its average is the more settled of the two.

Modest Finance ships an update every 4 days, Pluto Budgeting weekly. The most recent releases landed on October 12, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Modest Finance | Pluto Budgeting |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (13 ratings)](https://appshunter.io/ios/app/modest-finance/id6742116324/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/pluto-budgeting/id6754609330/reviews) |
| Number of ratings | **13** | 1 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 4 days** | Weekly |
| Monetization | Free with in-app purchases | Freemium |
| Size | 35 MB | 66 MB |
| Requires iOS | 18.0 | **16.4** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Modest Ventures LLC](https://appshunter.io/developer/1748674233) | [Pluto Budgeting LLC](https://appshunter.io/developer/1849199127) |

## What reviewers say

### Modest Finance

[App page](https://appshunter.io/ios/app/modest-finance/id6742116324)

Plan your financial independence by setting a net worth goal and budgeting towards it. Get real-time progress updates and AI-powered expense categorization. Avoid overdrafts with checking account balance previews.

**Highlights:** Financial independence planner, Real-time progress tracking, AI expense categorization, Checking account balance previews, Budgeting tools

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $8.99 | per month |
| Monthly Subscription | $8.99 | per month |
| Annual Subscription | $80.99 | per year |
| Annual Subscription | $80.99 | per year |


### Pluto Budgeting

[App page](https://appshunter.io/ios/app/pluto-budgeting/id6754609330)

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.

**Highlights:** Budgeting by paycheck schedule, Real-time Safe to Spend calculation, Incremental Savings for irregular expenses, Smart transaction matching, Pay Period Forecast, Bank sync (Premium)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pluto Premium | $9.99 | per month |
| Pluto Premium (Annual) | $99.00 | per year |


## Frequently asked questions

### Is Modest Finance free?

Modest Finance is free to download, with in-app purchases available.

### Is Pluto Budgeting free?

Pluto Budgeting is free to download, with in-app purchases available.

### Which has better reviews, Modest Finance or Pluto Budgeting?

Modest Finance and Pluto Budgeting are both rated 5.0 out of 5 on the App Store, from 13 and 1 ratings respectively.

### Do Modest Finance or Pluto Budgeting have ads?

Neither Modest Finance nor Pluto Budgeting shows ads.

### Which is updated more often, Modest Finance or Pluto Budgeting?

Modest Finance ships an update every 4 days, and Pluto Budgeting weekly. Most recently, Modest Finance was updated on October 12, 2026 and Pluto Budgeting on October 30, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*