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.

Think the functions are pretty good. But currently there is no “net” concept in the expenses/income. For example, if you go to a dinner with friends and you pay the $2000 bill with your credit card and collect $1800 back from your friends in PayMe, you need to do manual splitting in the $2000 transaction and click ignore for all the incoming transfers from friends. Similarly, if you have a refund on credit card membership fee or a good you purchase, you prefer to put that linked with the relevant expense to net them off, instead of remembering which transactions are linked and manually click ignore for them. Also, I have a bank account that can only get transactions of the past 1 month sync-ed. another credit card can only sync for the past 2 months, which is slightly annoying. You don’t expect this if you pay a monthly subscription fee.

I installed this app long times ago and at that time still with limited functions. I thought they are brave and clever to be a pioneer to have this great idea to try to consolidate users’ financial information into an app for a quick glance to understand our own personal finance status. To be honest, I seldom open this app in the past. Until one day, I realize they improve further and more organizations record can be connected to this app. I start to using it daily and keeping a very tidy daily transaction record through this app and I am so happy that I can view the summary of my Insurances by just a click ! I appreciate your effort and even one day it is no more a free app. I am willing to pay to enjoy your service!

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.