Pluto: Money Saving App

Easily save & manage money in college. Anonymously compare finances with others. Apple's "App of the Day", loved by students at 1500+ colleges. 100% free, designed for the college lifestyle!

"I love that it's catered to students and allows me to compare my spending habits with my peers automatically.. and the challenges make it fun!" - Allison B.

Screw tedious budgets, ugly graphs and stressful numbers. Pluto guides you to spend smarter & save up in a simple, automatic and fun way that fits your lifestyle as a student.

Get started by securely linking your accounts (debit, credit cards, PayPal, etc.). We support 10k+ U.S. financial institutions. We do NOT support non-U.S. institutions at this time.

HOW WE HELP YOU

Save for Goals, by doing Simple Challenges

• Do fun spending challenges smartly tailored to your finances & save! EX: Take on "Spend Less" challenges for any category, merchant or even on your overall spending.
• We suggest benchmarks for you, and if you spend under that amount, save the difference towards goals like Coachella!

Set Funds Aside for Goals in your Pluto Safe:

• Easily set aside savings into your Pluto wallet when you complete challenges, automatically or via prompts—or whenever! Like Venmo for your goals.
• Get 1.5% annual savings bonus on your Pluto Safe - paid out quarterly!
• No minimum balance, no minimum deposit, absolutely zero fees
• Unlimited deposits and withdrawals
• FDIC-insured up to $250,000 - held at our partner bank

Compare Finances to Similar Peers, Anonymously:

• Compare spending to similar peers, grouped by criteria like your age, income, relationship status and college campus.
• The more peers on Pluto, the more accurate it gets - so invite your friends to Pluto!

Understand Your Money with Simple Insights:

• Finally, insights that don't overwhelm you.
• See snapshot summaries, then dive into details only if you want!
• Take on challenges directly from your insights!

Automatic Tracking & Categorization:

• Auto-tracks your financial accounts and activities in one place.
• Auto-categorizes all your transactions!
• Keeps you on track with our challenge "Spendometers".
• Bank-level security (learn more below).

Search Transactions, Easily:
• Type to search by bank accounts, merchant name and category!
• Want to see all transactions + total spend for Lyft? Type "Lyft" into the search box and boom!

Get Powerful Alerts:
• Get notified abut new transactions, such as when you get paid and pay off your credit card bills.
• Know your challenge + goal progress and get encouragement.
• Know how many more times you can spend to stay green!

And best of all, Pluto is absolutely 100% free!

SECURITY

• SMS verification to prevent fraudulent accounts.
-We do not currently support VoIP, Google Voice and international numbers. But if you're a U.S. student studying abroad, please reach out via our support chat, and we may verify you on a case-by-case basis.
• PIN & Touch ID to protect device-specific account access.
• Bank-grade security & encryption to keep your personal data safe.
• Your bank log-in credentials cannot be stored by us.
• Your money cannot be moved via Pluto—unless you have opened up your Pluto Safe account, linked a funding source and given us permission to do so.
• Our partner Plaid also partners with Venmo, Acorns & AMEX.

WHAT OTHERS ARE SAYING

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”

PT Money: Named as one of 'The Best Personal Finance Software for Taming Your Budget (2019)'

DISCLAIMER

No funds can be moved in or out of Pluto yet, so the savings are virtually tracked. But GOOD NEWS - the FDIC-insured Pluto Safe account is now rolling out on an invite-only basis to our waitlist! You'll be able to easily and securely transfer funds into and out of Pluto. Join our in-app waitlist now to get earlier access!