iPhone Screenshots


Tired of tedious budgeting, ugly graphs & red numbers, and wasting money? Pluto is your hero.

Pluto makes it easy and even a little fun for you to balance your everyday spending with your saving goals, all for free! It's the money app every college student needs.


Saving Goals & Simple Challenges:
• Save effortlessly towards your goals by doing simple challenges tailored to your unique finances and spending habits.
• EX: Take the "Spend Less on Uber" challenge this week, spend under your limit (we calculate your spending averages for you!), save the difference towards your trip to Japan! It's that simple.
• Set photos for your goals for extra motivation!

Anonymous Comparison to Similar Peers:
• Ever wondered whether your finances are "normal" or not? Know how your spending compares to similar peers, grouped by criteria like your age, income, relationship status and even your college campus!

Useful Insights About Your Money:
• Understand your spending habits & finances without getting overwhelmed.
• See snapshot summaries, then dive into details only if you want to.

Automatic Tracking & Categorization
• Tracks your financial accounts and activities for you in one place.
• Categorizes all your transactions!
• Keeps you on track with our fun challenge "Spendometers".
• Bank-level security (learn more below).

Powerful Notifications
• Notifies you when new transactions post (has helped users identify fraudulent spending!)
• Encourages and informs you of your challenge and goal progress.

It's the new way to manage your money, designed for today's generation.

• Gives snapshot of your goals progress, spending challenges & recent transactions on a sleek Dashboard.
• Allows you to customize spending challenge timeframe, autosave mode, and autorepeat mode.
• Shows projected impact of your spending on your saving goals.

• PIN code & Touch ID to protect account access.
• Bank-level security to keep your personal data safe.
• Your bank log-in credentials are NEVER stored by us.
• Our partner Plaid is a fintech industry leader that partners with other successful apps like Venmo and Robinhood.

• Absolutely 100% free!
• Supports thousands of financial institutions, U.S. only.

• CNN Money: A recommended app “to keep tabs on expenses”
• Stacking Benjamins (#1 personal finance podcast by Kiplinger): "This whole idea of gamifying your goals is pretty exciting”
• Budgets Are Sexy: "12 New Financial Companies to Watch Out For"
• The Blonde Lifestyle: "A great way to start the new year off right and integrate it into helping you reach your goals"

• No money can be moved in Pluto yet, so it's just virtual savings. We're working hard to integrate Pluto FDIC-insured accounts and easy in-app fund transfers. Please let us know at hello@gopluto.io if you want that feature!

What's New

Version 1.0.10

• Introducing Personal Insights! Ever cringe at messy pie charts trying to break down your spending? If so, we can relate. That’s why we’ve built a new, lightweight way for you to better understand your finances and habits! Stay tuned for even more insights to come…
• Simplified our main navigation bar and made it more sleek & sexy.
• Made a bunch of other UI & performance improvements! Whoever guesses the most changes correctly via email will get a special something from us. Seriously.

Customer Reviews

4 out of 5

26 Ratings

26 Ratings

Beautiful and useful app! 😍


As a college student, saving money is a daunting task. I love that saving on finances is broken down into bite-sized goals in the form of simple challenges! I like that the challenges are there to build up to an overall goal and provide feedback in positive terms rather than guilt-inducing terms. Also, the comparative analytics that compares your spending habits to that of your peers' provide a nice baseline for realistic spending goals. Overall, it's an app that is easy to use, beautifully designed, and is keeping my wallet happy.

Fun and personalized savings tool fun!


As a grad school student with the limited amount of money to spend monthly, Pluto is very helpful and a fun app to play with in setting goals and personalizing it with cool pics. I’ve used other finances apps like Mint but this gives me more motivation to change my spending habits day to day. It’s been really fun and I am excited to see more features they will develop.

I feel like I can achieve my financial goals!


I’ve used Mint before but I really enjoy how Pluto makes managing finances more personal. By setting goals, I’m able to keep my goals on top of mind and it has helped me change my behavior positively. It’s easier to say “no” to that daily cup of coffee so I can save up for a trip with my best friends next year!


Pluto Money, Inc.
59 MB
Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© 2017 Pluto Money, Inc.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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