# Platomo - Your finance solved — Plan spending, savings & bills > Plan spending, savings & bills (iPhone/iPad app by Anh Ngoc Le.) - Source: https://appshunter.io/ios/app/platomo-your-finance-solved/id6761374730 (this page in markdown: same URL + `.md`) - Developer: [Anh Ngoc Le](https://appshunter.io/developer/1878659639) - Category: Finance, Lifestyle - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.0 · 16 MB - Languages: American English - Released: 2026-04-26 - Data updated: 2026-08-03 - User reviews in markdown: https://appshunter.io/ios/app/platomo-your-finance-solved/id6761374730/reviews.md ## What is Platomo? FinSight AI is your personal finance companion — designed to give you a clear, real-time picture of your money. Track every transaction, set budgets that actually work, and let AI analyze your spending habits to surface insights you'd never find on your own. KEY FEATURES • AI Financial Health Score — get an instant snapshot of how your finances are doing • Smart Transaction Tracking — log and categorize expenses in seconds • Budget Alerts — know before you overspend, not after • Savings Goals — set targets and track progress with visual milestones • Bill & Subscription Tracking — never miss a payment or a forgotten subscription • Cash Flow Forecast — see what's coming in and going out over the next 30 days • AI Budget Suggestions — personalized recommendations based on your actual spending • Bank Statement Scanning — import transactions from PDFs automatically • Gamification & Streaks — stay motivated with badges and logging streaks FINSIGHT PRO Unlock unlimited AI insights, advanced analytics, and premium features with a Pro subscription. Your data is stored securely and never sold to third parties. TERMS OF USE By downloading this app, you agree to Apple's Standard License Agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Finsight Pro – 6 Months | $24.99 | per 6 months | | Finsight Pro Monthly | $4.99 | per month | | Finsight Pro – Annual | $49.99 | per year | ## Version history (last 5 releases) ### 1.6 — 2026-07-07 ### Log Transactions by Voice (Beta) Speak your expenses instead of typing them - in English or Vietnamese. - **Say it, review it, save it** - "Fifty thousand dong for lunch at Pho 24" becomes a draft transaction; you see the transcript of what was heard and can edit merchant, amount, category, date, and currency before anything is saved - **Multiple transactions in one breath** - Mention several purchases and each becomes its own reviewable entry - **Reliable recording on iPhone** - Voice is captured by the native iOS recorder for clear, dependable audio - **Live feedback while you speak** - Recording timer (30-second max) and, on web, a level meter that shows the app can hear you - **Clear feedback** - Distinct messages for denied microphone permission, missing microphone, unsupported devices, or when nothing was heard - **Safe by design** - Closing the form mid-recording discards the audio, silent clips are never processed, and dates are never allowed in the future; nothing is added behind your back ### Budgets in Your Currency Budget limits now live in your default currency instead of assuming dollars. - **Sensible defaults per currency** - Starter budgets are seeded at realistic amounts for VND (a 5,000,000 dong food budget, not 500 dong) - **Accurate progress** - Only transactions in your budget's currency count toward its limit, so a 4 dollar coffee no longer looks like 4 dong against a VND budget - **Alerts that speak your currency** - Over-budget warnings and notifications format amounts correctly (1.000.000 dong, not 1000000 dollars) - **Currency switch handled** - Untouched default budgets re-seed at the right scale when you change your default currency; budgets you customized are never altered ### Subscriptions Fixed Platomo Pro purchases now work end-to-end. - **Working paywall** - Monthly, 6-month, and annual plans load and purchase correctly on iOS - **Verified unlocks** - Pro activates only after a confirmed purchase; cancelled purchases no longer show a false success - **Reliable restore** - "Restore Purchases" now reports success, "no purchases found", or a clear error - **Trial awareness** - Trial status and days remaining are tracked again ### Vietnamese Currency Done Right - **VND now formats as 1.000.000 ₫** - proper Vietnamese grouping and symbol, everywhere in the app - **One formatter across all screens** - charts, bills, savings, debts, notifications, and reports all agree - **Your default currency respected** - imports and new bill/goal forms use your chosen currency instead of assuming dollars - **Negative amounts compact correctly** - large negative values in charts show as -2,3M ₫ instead of overflowing ### 1.5 — 2026-06-18 Update new name for the app. ### 1.4 — 2026-06-03 Fix bugs and minor UI updates ### 1.3 — 2026-05-23 New onboarding flows and fixing some cosmetic bugs ### 1.2 — 2026-05-13 Major Features Individual Payment Tracking for Recurring Bills No more marking an entire loan "paid" when you've only paid one month. Track each payment separately. What's New: Per-occurrence tracking – Mark May's payment as paid without affecting June. Smart occurrence generation – Payments automatically appear from now until your loan ends. Visual occurrence list – See all upcoming payments with status indicators (paid/pending/overdue). One-tap status toggle – Click any occurrence to mark it paid or unpaid. Progress tracking – View total paid vs remaining amount at a glance. Setting Up Recurring Bills: Monthly bills: Set day of month (e.g., 15th of every month). Weekly bills: Choose day of week (e.g., every Monday). Yearly bills: Pick specific month and day (e.g., every March 15th). End date: Specify when the final payment is due (e.g., 5 years from now). Improved Date Logic The due date field now makes sense for long-term obligations. End date, not next payment – Set when your loan ends (e.g., 2031), not when the next payment is due. Auto-generated occurrences – All payments from today until the end date are created automatically. Clearer UI – Label changes from "Due Date" to "End Date" for recurring bills. Helper text – Explains what the date means: "When the last payment is due (e.g., loan end date)." Perfect Currency Formatting VND amounts finally display correctly without decimals everywhere. VND displays as đ7,000,000 (not đ7,000,000.00). USD displays as $99.00 (2 decimal places). Currency preference saved – Your default currency is remembered in forms. Consistent across app – Fixed in all views: reminders, calendar, savings, and reports. Bug Fixes Recurring Bills Fixed recurring bills incorrectly showing as "OVERDUE" despite marking occurrences as paid. Fixed occurrence list showing wrong due dates for recurring bills. Calendar no longer shows recurring bills as overdue at the bill level. UI & UX Fixed unresponsive close button in bill detail panel. Fixed modal forms appearing too high on screen (iOS safe area). Fixed scrolling issues across all modals on iOS. Fixed notification overlapping iOS status bar. Improved text contrast throughout the app for better readability. Currency Display Fixed VND amounts showing with decimal places in total outstanding. Fixed VND formatting in savings goals, allocations, and reports. Fixed currency formatting in bill cards and occurrence lists. Centralized all currency formatting for consistency. UI Improvements Toast notifications: Now respect iOS safe areas and won't overlap the status bar. Modal scrolling: All forms now scroll properly on mobile devices. Text contrast: Improved readability across dark backgrounds. Date labels: Clearer labels for recurring bills ("End Date" vs "Due Date"). Form layout: Fixed input field sizing in bill modal. Technical Changes Database New bill_occurrences table for per-occurrence tracking. Added recurrence pattern fields: day_of_month, day_of_week, month_of_year. Optimized indexes for better query performance. Upsert logic to prevent duplicate occurrences. Code Quality Centralized currency formatting utility (formatCurrency). Consistent use of safe area insets across all modals. Improved occurrence generation algorithm with safety limits. Better separation of concerns for recurring vs one-time bills. ## More apps by Anh Ngoc Le - [Memsy: Brain Training Games](https://appshunter.io/ios/app/memsy-brain-training-games/id6759449429) - [Upstream - Data Training](https://appshunter.io/ios/app/upstream-data-training/id6759870186) - [PMSchool - Product skills](https://appshunter.io/ios/app/pmschool-product-skills/id6760257776) - [fys – find your style](https://appshunter.io/ios/app/fys-find-your-style/id6760617349) - [BON! Where to eat?](https://appshunter.io/ios/app/bon-where-to-eat/id6761107886) - [Folio: Journal & Reflection](https://appshunter.io/ios/app/folio-journal-and-reflection/id6761336289) All apps by Anh Ngoc Le: https://appshunter.io/developer/1878659639 --- *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 2026-08-03.*