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描述

超過10萬次下載,香港最強AI理財工具!想自動睇住每月洗費、訂立儲蓄目標?過咗幾多錢比frd、MPF有幾錢、有AI助手準時提你還信用卡數?
立即下載,體驗智能理財!

**Planto 獲數碼港、港大iDendron全力支持**

全自動個人理財,一站式輕鬆管理收入、收出、借貸、投資及儲蓄目標!

人人都話理財好麻煩,Planto正正就要打破呢種迷思。我哋用先進技術,令人人都可以簡簡單單地計劃人生,有效率地記帳,實現儲蓄目標。

Planto簡易理財3部曲
1. 了解財政狀況
輸入幾項簡單資料、連結銀行、信用卡、強積金戶口,過去紊亂嘅收支馬上變得井然有序。

2. 訂立人生目標
Planto用公開資料製成大數據資料庫,讓你從中選擇置業、進修、退休大計等理財目標。

3. 展開追夢之旅
Planto了解你嘅理財需要,只會提供簡明易懂嘅實用建議,亦會不時向你發出繳費提示,確保你毋忘初心,並掌握儲蓄目標進度。

Planto巔覆傳統個人理財app嘅既有模式

-> 毋須費時輸入數據
有咗Planto,你可用最省時省力嘅方式管理財富:
* 連結超過40間銀行戶口,信用卡交易、強積金戶口,以及投資、按揭及貸款資訊一目了然
* 按類別及日期,清晰顯示交易記錄
* 提供分析圖表,讓你了解自己消費習慣、喺咩商舖用得最多錢

-> 度身訂造簡單及實用建議
Planto提供容易明白嘅理財建議,絕不賣弄艱深術語:
*為你嘅買樓及進修目標,提供可行計劃,包括實現目標所需儲蓄及投資回報
*信用卡到期還款時提醒你
*精選文章向你提供理財小貼士

-> 毋須再大費周章搜集資料
用Planto,計劃目標變得又快又簡單:
* 一次過收集所有與目標相關嘅公開數據
* 提供清晰及圖文並茂嘅計劃,包括所有與目標相關嘅細節及記帳功能

多謝你使用Planto,希望你喺理財及追夢路途上,事事稱心滿意。

最新功能

版本 2.7.0

是次更新,修復咗一啲系統小問題,應用程式運作變得更加流暢、迅速,大大提升用户體驗!

如對今次更新有任何意見,都歡迎到app內Live Chat通知我哋!

評分與評論

4.5 滿分 5 粒星
1,717 個評分

1,717 個評分

LTChar

Auto Tracking Accounts' Spending

I love the function of connecting my bank and credit card accounts, I don’t need to manually enter each transaction, and the app will help categorising each transaction by detecting the manufacturer.
A clear interface with adequate customisations, easy to use. Insights generated are free to check which is very precious. No ads are included!
Just one little detail: it would be good if I can edit the starting date of my goals, because my goal has started before I use the app, so the data would not be accurate.
Except from this small space for improvement, everything is good!

開發者回應

Thanks for your suggestions! We hope to make Planto a better app for everyone :)

reviewkcb

DO NOT get this app. This app gives wrong calculations and affects my actual accounts

I downloaded this app to manage my finances better. But to my horror it gives wrong calculations and its wrong calculations affected my real accounts.

I was checking Planto to see how much I should pay for my credit card bill and I see I owed the bank around 4K. The figure didn't seem right to me so I checked my ebanking app as well. My ebanking app also showed that I owed 4K.

I doubted the amount so I checked my credit card statement. I added up all my spending by hand to only about 2K. I was about to call my bank to check for irregularities, but then realised this strange phenomenon only happened after I downloaded Planto. I immediately deleted my accounts on Planto and deleted the app. Then I checked my ebanking app to find that the amount I owed dropped back to 2K, which is the amount I calculated.

This means that not only Planto make wrong calculations, once you give them permission to your accounts it can alter the ACTUAL numbers in your real accounts. This is horrifying. This could’ve made me pay double the amount I was supposed to, and I’m not even sure where that money would go since there is no way to trace it. I sincerely hope that it is only a glitch and not a scam. Thankfully I figured it out early on.

開發者回應

Hi there, thank you for reaching out!

Actually what you're describing is not possible - Planto only has read-only access. It cannot make ANY changes to your accounts. To retrieve your financial data, Planto uses a method called 'screen scraping' which is used by platforms that are help millions of customers world-wide. Think of a robot that will retrieve your data, analyze it and put it in Planto in a more friendly way. This robot can only retrieve your data and is not programmed to do any transactions Read more about our security here:

https://www.planto.hk/en/security/overview2/

Perhaps you were confused between 'statement balance' and 'total balance'? Statement balance is the amount you need to pay each month (and is delayed by 1 month, so it would be the sum of your transactions in July). The total balance is the statement balance + any transactions you had this month. Would this explain the issue you encountered?

If you have any more questions about this, please reach out to us on hello@planto.hk or via WhatsApp on 6178 0504 :)

- The Planto Team

klleeac

Straight forward and good for beginners

Very easy to get start with managing your personal finance and building up investment behaviours! The tips on financial management and investments are especially helpful

However, there’s an error in the goal setting for property purchase - seems the numbers of down payment and mortgage are switched which makes the goal very difficult to understand. Hope it can be fixed soon

資料

供應商
Planto
大小
61 MB
類別
理財
兼容性

須使用 iOS 9.0 或以上版本。兼容 iPhone、iPad、iPod touch。

語言

繁體中文, 英文

年齡
4+
版權所有
價格
免費
App 內購買項目
  1. 月付費計劃(早鳥優惠) HK$ 48.00
  2. 年付費計劃(早鳥優惠) HK$ 478.00

支援

  • 家人共享

    設定「家人共享」後,多達六位家庭成員可以使用此 App。

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