Pluto Budgeting

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 other Friday. Pluto works the way your money actually works.

Tell Pluto your income schedule and your recurring bills. It generates a planned 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 is coming 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

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 neatly into 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. Just a quick review when something needs your attention.

A free tier worth using

Pluto's free tier includes full scheduling, Incremental Savings, and manual transaction entry. Everything you need to get in control of your money without spending a cent.

Premium adds automatic bank sync so transactions import on their own, plus priority support. It's $9.99 a month or $99 a year. No ads. No selling your data. No ulterior motives.

Works everywhere

Pluto is built natively for Android, iOS, and the web. The same features, the same design, on every device you use.

WHAT YOU GET:

Safe to Spend, calculated per account in real time
Schedule-based budgeting organized by pay period
Incremental Savings for irregular and annual expenses
Smart transaction matching against your scheduled bills
Pay Period Forecast to see what's coming before it arrives
30-day balance forecast so low points never sneak up on you
Bank sync via secure, read-only connection (Premium)
Virtual accounts for savings goals (Premium)
Full-featured on Android, iOS, and web


Pluto has been in development and real-world use since 2012. This is the version we're proud to put in front of everyone. Your money, finally making sense.