# Pluto Budgeting vs Spendable

The clearest difference is update cadence: Pluto Budgeting at weekly against Spendable's every 2 months. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Pluto Budgeting sells 2 in-app purchases, starting at $9.99 per month and Spendable sells 1 in-app purchase, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

Pluto Budgeting ships an update weekly, Spendable every 2 months. Both last shipped on October 18, 2026.

## The numbers

| Metric | Pluto Budgeting | Spendable |
| --- | --- | --- |
| 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 | No |
| Update frequency | **Weekly** | Every 2 months |
| Monetization | Freemium | — |
| Size | 67 MB | 52 MB |
| Requires iOS | 16.4 | 16.4 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Pluto Budgeting LLC](https://appshunter.io/developer/1849199127) | [Joseph Emmanuel Deladem Kudjordji](https://appshunter.io/developer/6779929936) |

## 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 |


### Spendable

[App page](https://appshunter.io/ios/app/spendable-safe-to-spend/id6794665402)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Spendable Plus | $0.99 | per month |


## Frequently asked questions

### Is Pluto Budgeting free?

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

### Is Spendable free?

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

### Do Pluto Budgeting or Spendable have ads?

Neither Pluto Budgeting nor Spendable shows ads.

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

Pluto Budgeting ships an update weekly, and Spendable every 2 months. Most recently, Pluto Budgeting was updated on October 18, 2026 and Spendable on October 18, 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.*