iPhone Screenshots


Planto is the top AI driven financial manager in HK with 100k+ downloads! Set budget, check your monthly expenses automatically, see all of your transfers, 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 40+ bank, e-wallet and MPF 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 20+ bank and e-wallet 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/

What’s New

Version 1.55.0

This update kills some pesky bugs affecting your experience.

Send us your feedback on the in-app Live Chat!

Ratings and Reviews

4.5 out of 5
1.7K Ratings

1.7K Ratings

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

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.

Developer Response ,

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:


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

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!

Developer Response ,

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


64 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.


English, Traditional Chinese

Age Rating
In-App Purchases
  1. Monthly Subscription (Early) HK$ 20.00
  2. Annual Subscription (Early) HK$ 198.00
  3. Monthly Subscription HK$ 28.00


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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