# Pluto Budgeting vs MasterBudget AI

The clearest difference is ads: Pluto Budgeting at none against MasterBudget AI's shown. MasterBudget AI's advantage is device support (3 vs 1). On price, update cadence, in-app purchases and iOS requirement there is nothing between them.

Both are free to download. Pluto Budgeting sells 2 in-app purchases, starting at $9.99 per month and MasterBudget AI sells 3 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

Pluto Budgeting ships an update weekly, MasterBudget AI every 6 days. The most recent releases landed on September 14, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | Pluto Budgeting | MasterBudget AI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/pluto-budgeting/id6754609330/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Weekly | **Every 6 days** |
| Monetization | Freemium | — |
| Size | 68 MB | 97 MB |
| Requires iOS | 16.4 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Pluto Budgeting LLC](https://appshunter.io/developer/1849199127) | [Mohammed Ahmed](https://appshunter.io/developer/1832170190) |

## What reviewers say

### 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 |


### MasterBudget AI

[App page](https://appshunter.io/ios/app/masterbudget-ai/id6761137293)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $69.99 | per year |
| Lifetime Access | $199.99 | one-time |


## Frequently asked questions

### Is Pluto Budgeting free?

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

### Is MasterBudget AI free?

MasterBudget AI is free to download, with in-app purchases available.

### Do Pluto Budgeting or MasterBudget AI have ads?

MasterBudget AI shows ads; Pluto Budgeting does not.

### Which is updated more often, Pluto Budgeting or MasterBudget AI?

Pluto Budgeting ships an update weekly, and MasterBudget AI every 6 days. Most recently, Pluto Budgeting was updated on September 14, 2026 and MasterBudget AI on September 21, 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.*