Pluto Budgeting

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