# Pluto Budgeting vs MoneyConfidence

The clearest difference is update cadence: Pluto Budgeting at weekly against MoneyConfidence's every 2 months. MoneyConfidence's advantage is ratings volume (6 vs 1). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Pluto Budgeting sells 2 in-app purchases, starting at $9.99 per month and MoneyConfidence sells 4 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 Pluto Budgeting against 5.0 for MoneyConfidence. That said, the two scores are not equally well evidenced: MoneyConfidence has 6 ratings behind it against 1, so its average is the more settled of the two.

Pluto Budgeting ships an update weekly, MoneyConfidence every 2 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | Pluto Budgeting | MoneyConfidence |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/pluto-budgeting/id6754609330/reviews) | [5.0 (6 ratings)](https://appshunter.io/ios/app/moneyconfidence/id6761574993/reviews) |
| Number of ratings | 1 | **6** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Weekly** | Every 2 months |
| Monetization | Freemium | Freemium |
| Size | 66 MB | 48 MB |
| Requires iOS | 16.4 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Pluto Budgeting LLC](https://appshunter.io/developer/1849199127) | [LaToya Cheek](https://appshunter.io/developer/1890296071) |

## 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 |


### MoneyConfidence

[App page](https://appshunter.io/ios/app/moneyconfidence/id6761574993)

This personal finance app provides tools for budgeting, expense tracking, and setting savings goals. It offers AI-powered financial coaching and educational resources to help users gain control of their finances and build wealth.

**Highlights:** Budget tracking, Expense logging, Credit score monitoring, SMART goal setting, Net worth calculation, AI financial coaching, Bills calendar

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| MoCo Basic | $9.99 | per month |
| MoCo Starter | $19.99 | per month |
| MoCo Plus | $29.99 | per month |
| MoCo Premium | $49.99 | per month |


## Frequently asked questions

### Is Pluto Budgeting free?

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

### Is MoneyConfidence free?

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

### Which has better reviews, Pluto Budgeting or MoneyConfidence?

Pluto Budgeting and MoneyConfidence are both rated 5.0 out of 5 on the App Store, from 1 and 6 ratings respectively.

### Do Pluto Budgeting or MoneyConfidence have ads?

Neither Pluto Budgeting nor MoneyConfidence shows ads.

### Which is updated more often, Pluto Budgeting or MoneyConfidence?

Pluto Budgeting ships an update weekly, and MoneyConfidence every 2 months. Most recently, Pluto Budgeting was updated on October 24, 2026 and MoneyConfidence on October 24, 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.*