Pluto Budgeting vs WealthMind

Most budget apps tell you where your money went. Pluto tells you what you can safely spend today, and makes sure the big stuff is covered before you do. Budgeting by paycheck, not by month. Your bills don't care about calendar months. Rent is due on the 1st. 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, and it creates a transaction for every upcoming occurrence (rent, utilities, subscriptions, insurance, all of it), organized by pay period. After setup it mostly runs itself: confirm a match and move on. You're comparing real transactions against your planned ones, not asking whether a coffee run counts as Shopping or Groceries. Safe to Spend: the number you actually need. Your bank balance doesn't know your rent is due in four days, or that your car registration lands next month. Safe to Spend does. It takes your current balance, your upcoming scheduled transactions, and what you've set aside for savings, then gives you one number per account, updated constantly. Never get blindsided by a big bill again. With Scheduled Savings, you tell Pluto about an irregular expense (car insurance, property taxes, holiday spending, an annual subscription) and it sets aside a little from each paycheck so the money is ready when the bill arrives. $600 car insurance due in six months? Pluto spreads it across your paychecks, roughly $46 at a time. By the time the bill hits, it's already funded. No scrambling, no overdraft. It works for anything outside a monthly rhythm: HOA dues, a family vacation, back-to-school shopping, a birthday you know is coming. Set it up once and stop thinking about it. Transactions that match themselves. When a bank transaction comes in, Pluto checks your planned transactions and suggests the match. You confirm or adjust, with no manual categorization and no month-end reconciliation. The Pay Period Forecast shows what's coming, so nothing lands as a surprise. A free tier you can actually run on. The free tier includes full scheduling, Scheduled Savings, and manual transaction entry. Premium adds automatic bank sync so transactions import themselves, plus priority support. Premium also connects Apple Card, Apple Cash, and Apple Savings. Pluto is $9.99 a month or $99 a year. No ads. No selling your data. Pluto exists because the alternatives were too simple to be useful, too complex to stick with, or too expensive to justify. What you get: • Safe to Spend, calculated per account in real time • Schedule-based budgeting by pay period, not calendar month • Scheduled Savings for irregular and annual expenses • Smart matching between bank transactions and your scheduled bills • Pay Period Forecast to see what's coming before it arrives • Bank sync via a secure, read-only connection (Premium) • Apple Card, Apple Cash, and Apple Savings support (Premium) Your money, finally making sense. Terms of Service: https://www.plutobudgeting.com/terms

WealthMind Path is a budget planner built on the Money Jars method. Every time you get paid, your income is split into jars by percentage, so each part of your money has a job before you spend it. Your financial data stays on your phone, in an encrypted database. No bank connection, no linked accounts: you log your income and expenses yourself, and the app works without an internet connection. HOW THE MONEY JARS METHOD WORKS • Six classic jars with suggested percentages: Necessities 55%, Financial Freedom 10%, Long-Term Savings 10%, Education 10%, Play 10% and Give 5%. • Add Emergency Fund, Debt Payment or Custom jars when you need them. • Log income once and it is distributed across your jars automatically. • Record each expense from the jar it belongs to, and split one expense across several categories. • Move money between jars of the same currency with transfers. • If a new jar pushes the total above 100%, rebalance by hand, with equal cuts, or with a smart option that protects your essential jars. START IN MINUTES Pick one of 5 starter plans (Get Out of Debt Fast, Build Wealth, Balanced Living, Early Retirement and Young Professional) or design your own jars. EXPENSE TRACKER AND BUDGETS • Monthly budgets by category, with clear status as you approach the limit. • Scheduled and recurring income, bills and transfers (daily, weekly, every two weeks, monthly, quarterly or yearly) with reminders. • Full transaction history with search and filters. INSIGHTS • Income vs. expenses, balance trend and savings rate. • Spending by jar and a daily spending heatmap. • Suggested next steps based on your own numbers. GOALS, HABITS AND INVESTMENTS • Savings goals with progress tracking. • Badges and streaks that reward consistency. • Track stocks, crypto, real estate and merchandise, with profit and loss. Price updates need a connection. MULTI-CURRENCY Choose from more than 150 currencies. Each currency has its own wallet of jars, so balances never get mixed. PRIVACY AND CONTROL • Encrypted local database (AES-256). • Optional app lock with Face ID, Touch ID or your device passcode. • Export your transactions to CSV and create a backup file you keep. • Light and dark themes. Available in English and Spanish. FREE AND PRO WealthMind Path is free to use with a banner ad and up to 2 currency wallets. WealthMind Pro removes ads and unlocks unlimited currency wallets. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the period; manage them in your Apple Account settings. A free trial may be offered depending on your account. WealthMind Path is a personal budgeting tool. It does not provide financial, tax or investment advice. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/