# Pluto Budgeting vs Zero Budget

The clearest difference is in-app purchases: Zero Budget at none against Pluto Budgeting's 2. Zero Budget also leads on update cadence (every 2 days vs weekly). On price, ads, monetization model 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. Zero Budget asks for nothing beyond the download.

Pluto Budgeting ships an update weekly, Zero Budget every 2 days. The most recent releases landed on September 14, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | Pluto Budgeting | Zero Budget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/pluto-budgeting/id6754609330/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Weekly | **Every 2 days** |
| Monetization | Freemium | Freemium |
| Size | 68 MB | 60 MB |
| Requires iOS | 16.4 | 16.4 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Pluto Budgeting LLC](https://appshunter.io/developer/1849199127) | [HARMAN SHARDA](https://appshunter.io/developer/6800572315) |

## 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 |


### Zero Budget

[App page](https://appshunter.io/ios/app/zero-budget-money-planner/id6800572313)

This app helps you manage your finances by assigning every dollar a job at the start of the month. It features sinking funds for future expenses, debt payoff tracking, and customizable reports to monitor your financial health.

**Highlights:** Zero-based budgeting, Sinking funds for future expenses, Debt payoff tracking, Bank account connection, Manual transaction entry, Shared budgeting with one other person, Financial reports and trends

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

**In-app purchases:** none


## Frequently asked questions

### Is Pluto Budgeting free?

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

### Is Zero Budget free?

Zero Budget is free to download, with no in-app purchases.

### Do Pluto Budgeting or Zero Budget have ads?

Neither Pluto Budgeting nor Zero Budget shows ads.

### Which is updated more often, Pluto Budgeting or Zero Budget?

Pluto Budgeting ships an update weekly, and Zero Budget every 2 days. Most recently, Pluto Budgeting was updated on September 14, 2026 and Zero Budget on September 23, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*