Pluto Budgeting
Next Level Budgeting
Only for iPhone
Free · In‑App Purchases
iPhone
Stop guessing what you can afford. Pluto calculates your Safe to Spend in real time (per account, per paycheck) so every financial decision is backed by honest numbers.
Most budget apps tell you where your money went. Pluto tells you what you can safely spend right now, and makes sure the big stuff is already covered before you do.
Budgeting by paycheck, not by month.
Your bills don't care about calendar months. Your rent is due on the 1st. Your 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. It generates a transaction for every upcoming occurrence — rent, utilities, subscriptions, insurance, everything — organized by pay period. Once you're set up, it runs itself. Confirm a match, move on. Most users spend less than two minutes a day.
Safe to Spend: the number you actually need.
Your bank balance doesn't tell you what's safe to spend. It doesn't know your rent is due in four days or that your car registration lands next month. Safe to Spend does. It looks at your current balance, your upcoming scheduled transactions, and what's already been reserved for savings, then gives you one honest number. Per account. Updated constantly.
Never get blindsided by a big bill again.
This is where things get genuinely different. With Incremental Savings, you tell Pluto about an irregular expense — car insurance, property taxes, holiday spending, annual subscriptions — and it quietly sets aside a little from each paycheck so the money is ready when the bill arrives.
$600 car insurance due in 6 months? Pluto divides it across your paychecks: $46 here, $46 there. By the time the bill hits, it's already funded. No scrambling. No overdraft. No anxiety.
It works for anything that doesn't fit a monthly rhythm: HOA dues, a family vacation, back-to-school shopping, a birthday you know is coming. Set it up once. Stop worrying about it.
Transactions that match themselves.
When a bank transaction comes in, Pluto looks at your schedule and suggests the match. You confirm or adjust. No manual categorization. No month-end reconciliation marathons. Just a quick review when something needs your attention.
A free tier that's actually useful.
Pluto's free tier includes full scheduling, Incremental Savings, and manual transaction entry. Everything you need to get in control of your money. Premium adds bank sync so transactions import automatically, plus priority support.
Pluto is $9.99 a month or $99 a year. No ads. No upsells. No selling your data. Just a tool that's quietly on your side.
What you get:
+ Safe to Spend, calculated per account in real time
+ Schedule-based budgeting by pay period, not calendar month
+ Incremental Savings for irregular and annual expenses
+ Smart transaction matching with your scheduled bills
+ Pay Period Forecast to see what's coming before it arrives
+ Bank sync via secure, read-only connection (Premium)
Pluto was built because the other options were either too simple to be useful, too complex to stick with, or too expensive to justify.
Your money, finally making sense.
Terms of Service: https://www.plutobudgeting.com/terms
Ratings & Reviews
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- FIX: Reset password email link wasn't navigating to the correct mobile screen
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The developer, Pluto Budgeting LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Pluto budgeting LLC
- Size
- 49.8 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Pluto Premium (Annual) $99.00
- Pluto Premium $9.99
- Copyright
- © 2012-2026 Pluto Budgeting LLC