Thu Chi iTomo

Personal and small business finance management application, providing a comprehensive set of tools for tracking income and expenses, managing accounts, planning budgets, analyzing expenses and reporting statistics. Intuitive interface, multi-language support and display modes help users easily customize according to their usage habits. Strong security and authentication system ensures financial data is always safe and private.
Authentication & Security
Register, log in, authenticate with OTP/Email with full verification flow.
Support password change, account recovery and 2-factor authentication when needed.
Securely store user information with encryption and tokens, securely synchronize with the server.
Manage access rights and login sessions to protect personal data.

Transactions & Spending

Add, edit, delete transactions with the type of Income/Expense/Transfer/Recurring.
Support attaching invoices, images, and documents (uploading files/photos) for each transaction.
Notes, tagging locations and partner/payee links for each expense item.
Search, filter, and sort transactions by date, time period, category, account, or partner.
Categories & Category Groups

Manage spending/income categories: create, edit, delete, group.
Support subcategories, assign colors and icons for easy distinction.
Group categories to analyze by large groups (e.g., Food, Housing, Transportation).
Funds & Budgets

Create funds for savings goals, track progress toward goals.
Set monthly/quarterly/yearly budgets for each category or the entire account.
Warnings when about to exceed budget, reports comparing actual and estimated budgets.
Reports & Statistics

Intuitive dashboard: pie charts, columns, lines showing spending and income distribution over time.
Detailed reports by category, account, partner, location; support PDF/CSV report export.
Statistics on spending trends, financial balance prediction based on transaction history.
Periodic history and comparative analysis by period (last month, same period last year).
Personal page & user account

Personal information management page, change password, update contact information.
Synchronize personal settings: language, time zone, display mode and notification.
General settings & customization

Multilingual support and quick language change.
Light/dark mode and theme options to change interface.
Notification settings: payment reminders, over-budget warnings, recurring calendar reminders.
Sync & Backup

Sync data with the cloud for access on multiple devices.
Backup/Restore data, support CSV import and export to work with other applications.
Offline mode support: save transactions when there is no network and automatically sync when there is a connection.
Notifications & Reminders

Push notifications for important events: payment reminders, recurring transactions, over-budget warnings.
Schedule recurring reminders and customize notifications by activity type.
Partners & Locations

Manage partner lists (suppliers, stores, beneficiaries).
Attach locations to transactions, view transactions by location, support maps/addresses.
Advanced Features

Manage multiple currencies with updated exchange rates, automatic conversion and reporting by currency.
Integrated file upload and storage services (invoices, receipts).
API/or service connection to synchronize with banking system, if integrated.
Advanced filtering tools, multi-conditional filtering helps to retrieve data quickly and accurately.
Experience & support

Friendly interface, easy to use for beginners, providing help and step-by-step instructions.
Support feedback, record errors and continuous improvement.
Optimized design for both phones and tablets, compatible with many screen sizes.
Benefits for users

Control personal and small business finances more effectively.
Save time in recording, classifying and analyzing expenses.
Make smarter decisions based on financial reports and predictions.
High data security and flexibility in use on many devices.