# Planto - HK #1 Money Tracker — Track expenses, Goals & Budget > AI financial manager for expense tracking, budgeting, and goal achievement. (iPhone/iPad app by Planto.) - Source: https://appshunter.io/ios/app/planto-hk-1-money-tracker/id1303666016 (this page in markdown: same URL + `.md`) - Developer: [Planto](https://appshunter.io/developer/1303666015) - Category: Finance - Price: Free with in-app purchases - Rating: 3.60/5 from 12 App Store ratings · 54 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 102 MB - Languages: American English, Chinese (Traditional, Taiwan) - Released: 2018-10-21 - Data updated: 2026-08-24 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/planto-hk-1-money-tracker/id1303666016/reviews.md ## What is Planto? Planto is the top AI driven financial manager in HK with 300k+ downloads! Set budget, check your monthly expenses automatically, see all of your transfers, monitor suspicious transactions, keep tap on your MPF performance and even get personalized reminders for your credit card due dates. Achieve simple personal finance in 3 steps: 1. Understand your financial profile Tell us a bit about yourself by setting your budget and automatically get clarity on where your money goes by linking to one or more of 50+ bank, e-wallet, investment, MPF and reward accounts. 2. Identify what you want Want to get your dream home, save up for your first million, travel the world or get out of debt? Set any goals by simply telling Planto what you want to achieve and receive a saving plan/spending budget, personalized just for you. 3. Stay on track and work towards your goals Automatically consolidate all your accounts - from income, expenses to savings and loans into one place. Planto even turn them into useful insights such as expenses by category, spending/saving patterns and smart reminders. Planto is built to be different from other personal finance management apps. -> No manual inputs needed Not a traditional book keeping or expense manager app, Planto reduces the time and effort required to track your finances by: * Linking to 50+ bank, e-wallet and investment accounts, showing your credit card transactions, investments, mortgages, loans and MPF within minutes * Showing your transactions by categories and by dates * Providing you analytics on your spending patterns and top vendors -> Simple and actionable financial planning Planto offers simple advice with no financial jargons through: * Proposing an actionable plan on your home purchase or any other goals by telling you how much to save and providing various insights to aid your money saving decision * Providing alerts on credit card due dates and finance charges * Offering tips and tricks through our in-app content articles -> Say goodbye to hours of research Planto makes it quick and easy for you to plan towards your goals by: * Aggregating all relevant public data in one place * Giving you a transparent plan by including all the details and costs associated with the goal Thank you for choosing Planto and we hope you enjoy your financial journey with us. Privacy Policy: https://www.planto.hk/en/privacy-policy/ Terms of Use: https://www.planto.hk/en/terms/ ## Key features - AI-driven financial management - Automatic expense tracking - Budget setting and monitoring - Goal setting and saving plans - MPF performance tracking - Credit card due date reminders - Account aggregation ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Annual Subscription (Early) | $49.99 | per year | | Monthly Subscription (Early) | $4.99 | per month | | Annual Subscription (Special) | $29.99 | per year | | Monthly Subscription (Special) | $2.99 | per month | | Planto Monthly Subscription | $4.99 | per month | | Planto Annual Subscription | $49.99 | per year | ## Recent user reviews (10 of 54) All indexed reviews: https://appshunter.io/ios/app/planto-hk-1-money-tracker/id1303666016/reviews.md ### 1/5 — Why was my previous comment removed? *2025-11-15, version 5.5.0* As said, and mentioned by other users, their Technical Support team doesn’t do anything. No responses from them, not checking WhatsApp messages, also no further updates/fixes for the app. I don’t think they are maintaining this app anymore… to be honest, am not even sure if it is still safe to provide the login credentials in this app… ### 3/5 — There are just so many bugs now… *2025-07-19, version 5.5.0* There more you use this app the more bug it reveals (which is normal) but the tech team either 1. Doesn’t know how to fix them so the bugs persist, or 2. Too busy / lazy and ignored them. Oh and also, it takes forever to synchorize information. ### 2/5 — Data deletion *2025-04-15* After the recent update (I believe it’s from 12/4/25), all previous data has been wiped. I have never encountered this issue before and this is quite concerning ### 4/5 — Better if Mac/Ipad App too *2025-02-10, version 5.0.0* It's a great service and works pretty well. The categories are 60% wrong so I have to manually change most. It would be great if the team could develop most importantly a Mac/Desktop App/Software since we're paying for it and maybe an Ipad one too. ### 3/5 — Good app but a lot to improve *2025-01-14, version 5.0.0* Filters are not working correctly, when I want to exclude one item from many, it didn’t work properly. No “select all” option to easy unselect one from many categories. Also need filters on “Analyse your expense”. ### 4/5 — Excellent *2024-07-22, version 4.3.0* Just an excellent app. I’ve tried many apps of this category but Planto is the only one that is tailored for the Hong Kong market and has the most coverage, integrating bank accounts, Octopus, MPF, and more. That said, syncing can be pretty slow (understandable). Transactions on the Octopus card are in sync with the Octopus app, which has a lag of 1-2 days, which is annoying but not a dealbreaker. Some buttons on the UI can be less responsive than others. I’d also like to see the option to count positive cash flow as a “reverse expense” so they get subtracted from a spending category - in the case of splitting an expense with friends. ### 1/5 — Unable to send messages to technical support *2024-02-22, version 3.6.0* Some of my transactions were not downloaded and some of the same transaction of certain accounts have been downloaded 2-6 times. I have been unable to contact technical support or send messages to fix the issue. It almost seems the “send” button for message to technical support has been disabled. It’s very frustrating to see the stats are wrong because transactions have been repeated / missed. Suggest leaving an email contact and fixing the issue of not being able to send message to technical support. ### 3/5 — A so-so app *2023-05-22, version 3.3.0* I expect it can updated and auto sync with my accounts time to time but no, I have to manually click sync and wait for few mins for each account. So I have to spend more then half an hour to to update all my accounts, and another half an hour to manage my bills, as the category provided is not accurate. Good if you have time but not for me. ### 1/5 — Cannot connect to virtual bank *2022-12-02, version 3.3.0* Planto does not have the option to link with any virtual bank. When I asked the technical support online but there was no reply nor even acknowledgement for 2 days already. Provided with the lack of support and sluggish updates to catch up with the trend of virtual banking, I already cancelled the future subscription and I don’t recommend anyone to use it. ### 5/5 — Good apps and waiting for Improvement!! *2022-10-13, version 3.3.0* It is convenient that this apps can automatically refresh the status of each accounts and we don’t need to spend time to update it manually!! I’m looking forward to seeing the latest update: Octopus’s Balance and PayMe’s Balance synchronisation. It definitely help to make our financial status more clearer and make it more worthy to subscribe the apps!! ## Frequently asked questions about Planto ### What does Planto do? Planto is an AI-driven financial manager designed to help users in Hong Kong track their expenses, set budgets, and achieve financial goals. It automatically consolidates various financial accounts, provides insights into spending patterns, and offers personalized saving plans. ### What are the key features of Planto? Key features include AI-driven financial management, automatic expense tracking by linking over 50 bank and e-wallet accounts, budget setting, personalized goal achievement plans, MPF performance monitoring, and timely reminders for credit card due dates. ### How much does Planto cost? The application is free to download and use, with in-app purchases available. Specific costs for premium features or advanced functionalities are not detailed in the provided description. ### Is Planto available on all devices? While the description does not explicitly state compatibility, it is described as a mobile application, implying availability on common mobile operating systems like iOS and Android. ### What are common use cases for Planto? Common use cases include understanding where your money goes by linking bank accounts, setting budgets for monthly expenses, saving for specific goals like a dream home or a million dollars, monitoring MPF performance, and ensuring credit card payments are made on time. ## Version history (last 5 releases) ### 6.0.0 — 2026-03-05 Fixes and performance improvements ### 5.9.0 — 2026-02-05 Fixes and performance improvements ### 5.8.0 — 2025-12-07 Fixes and performance improvements ### 5.7.0 — 2025-11-26 Fixes and performance improvements ### 5.6.0 — 2025-11-18 Bug fixes ## Apps similar to Planto | App | Rating | Price | Category | | --- | --- | --- | --- | | [Budget app - spending tracker](https://appshunter.io/ios/app/budget-app-spending-tracker/id1525179720) | 4.7 (15,549) | Free | Finance | | [Weekly: Budget Planner & Bills](https://appshunter.io/ios/app/weekly-budget-planner-and-bills/id1460038809) | 4.8 (3,704) | Free | Finance | | [Monefy: Bills & Money Tracker](https://appshunter.io/ios/app/monefy-bills-and-money-tracker/id1212024409) | 4.7 (6,638) | Free | Finance | | [PocketGuard・Budget Planner App](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211) | 4.6 (7,664) | Free | Finance | | [Buddy: Budget Planner App](https://appshunter.io/ios/app/buddy-budget-planner-app/id936422955) | 4.7 (9,413) | Free | Finance | | [Money Manager Expense & Budget](https://appshunter.io/ios/app/money-manager-expense-and-budget/id560481810) | 4.8 (18,913) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*