Pluto Budgeting vs Spendable

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

What can I spend today without going broke before payday? Spendable answers that with one number, recalculated every morning from your real balance. No bank login. No account. No server. Everything stays on your phone. HOW IT WORKS Tell it three things: your balance, your payday, and any bills due before then. Spendable holds back the bills and your buffer, divides what's left by the days remaining, and shows you today's figure. Spend less today and tomorrow's number rises by itself. Spend more and it drops. There is no envelope system, no categories to maintain, and nothing to reconcile. CAN I AFFORD THIS? Type an amount and get an answer with the consequence attached: "Yes, but every remaining day drops to $97.77, down from $111.11." A flat "no" is reserved for a purchase that would break your bills. HONEST BY DESIGN Figures always round down. The promise is "you can spend this and still be fine", and a number that rounds up is a lie by a cent. Logging a spend never moves today's target. It only uses it up. Paying a bill never changes your spendable figure, because that money was never yours to spend. FREE FOREVER • Your safe-to-spend number • Three-second spend logging • "Can I afford this?" • Shortfall warnings • Up to three bills • Reminders: an evening nudge and a payday reset SPENDABLE PLUS: $0.99/MONTH • Home Screen and Lock Screen widgets • Zero Day forecast: the date you run out at your current pace • Morning check-in: wake up to today's number • Unlimited bills PRIVACY No account. No analytics. No ads. No tracking. Spendable never connects to your bank and has no server of its own. Your balance, bills and history live in a database on your device. Erase all data in Settings and it is gone, immediately and permanently. Spendable is an arithmetic tool, not financial advice. Its figures are only as accurate as the numbers you enter. Spendable Plus is an auto-renewing monthly subscription. Payment is charged to your Apple Account at confirmation of purchase and renews unless cancelled at least 24 hours before the end of the period. Manage or cancel in Settings → your name → Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://ephopho.github.io/spendable-legal/privacy/