Your daily spending power, in real time
No bank connection needed. Your expenses, envelopes and savings — organized in 3 clear drawers with the 3F Method. Perfect solo, as a couple, or as a family.
+15,000 peaceful families · 4.8/5 on the stores
Managing your budget: why is it so hard?
Sound familiar?
"I never know how much I can spend per day."
"My bills, daily spending and savings all get mixed up."
"I've tried everything, spreadsheets discourage me."
The 3F Method solves these 3 problems.
The 3F Method in action
Your 3F dashboard
Fixed, Flexible, Future: your 3 budget drawers at a glance. See your income split, verified bills and money left to spend.
Your flexible envelopes
Groceries, leisure, dining... Each envelope shows what's left in large, what's spent in small. Your daily budget updated in real time.
Your money left in €/day
How much can you spend today? The €/day indicator gives you the answer at a glance, with dynamic color coding.
Your savings jars
Vacation, safety cushion, projects... Track your deposits and estimated completion date. Saving becomes tangible and motivating.
Close & celebrate
At the end of each period, choose what to do with your surplus: roll over, save or treat yourself. Every win is celebrated.
Quick Add: 3 seconds flat
Log an expense in 3 taps: amount, envelope, done. No forms, no complex categorization. A budget that never slows you down.
Widget: your budget on your home screen
See your money left to spend without opening the app. The widget shows your envelopes and €/day right on your home screen.
Bientôt disponible
De nouvelles fonctionnalités arrivent pour rendre votre budget encore plus simple.
Adaptive profiles: solo, couple, family
Personal budget, couple budget or family budget? Switch profiles in one tap. Each profile has its own envelopes and goals.
Smart predictive alerts
The app detects when you're spending too fast and warns you before the envelope runs dry. No more tight month-ends — anticipate instead of react.
Budget under control: real user stories
“Before, I stressed every end of month. Now I know exactly where every euro goes. My Serenity Score is at 92!”
Camille, 29
“My wife and I used to argue about money. Since we started using shared envelopes, it's peace.”
Thomas, 34
“In 3 months, we saved €1,200 for our vacation. The kids watch the gauge go up, it motivates them too!”
Sophie & Marc
4.8/5 on the App Store · +15,000 users
La Méthode 3F : Fixe, Flexible, Futur
Inspirée du kakebo japonais et du cash stuffing digital, la Méthode 3F organise chaque euro de vos revenus en 3 tiroirs clairs.
Le Fixe
Loyer, assurances, abonnements... Vérifiez chaque mois que vos prélèvements sont bien passés. Zéro surprise sur les charges.
Le Flexible
Courses, loisirs, resto... Des enveloppes visuelles pour vos dépenses du quotidien. Voyez votre reste à vivre en temps réel et en €/jour.
Le Futur
Vacances, coussin de sécurité, projets... Vos bocaux d'épargne se remplissent à votre rythme avec estimation de la date d'atteinte.
Méthode Kakebo
La sagesse japonaise centenaire adaptée au digital. Prise de conscience et bilan intégré.
💰Cash Stuffing Digital
La tendance TikTok du budget par enveloppes, sans cash. Vos enveloppes se remplissent et se vident en temps réel.
📊Reste à Vivre & €/jour
Sachez toujours combien il vous reste. Votre budget quotidien en euros par jour se met à jour à chaque dépense.
Guides pour mieux gérer son budget
Méthodes, conseils et astuces pour reprendre le contrôle de vos finances.
Méthode enveloppes budget
Le guide complet pour maîtriser vos dépenses avec le système d'enveloppes budgétaires.
Kakebo : méthode japonaise de budget
Découvrez le kakebo, la méthode japonaise pour maîtriser son budget en 4 catégories.
Reste à vivre : comment le calculer
Apprenez à calculer et optimiser votre reste à vivre pour mieux gérer votre budget.
Plan & Multiply Pricing — Free or Premium
Start free. Switch to autopilot with Premium — less than a coffee a week.
Free
- 5 flexible envelopes
- Fixed · Flexible · Future dashboard
- Real-time money left tracker
- Savings jars (2 goals)
Premium
ou €44.99 /year · only €3.75/mo
- Unlimited envelopes — as many categories as your life needs
- Family sharing — shared budget + personal envelopes for each member
- Auto-recurring charges — never forget a monthly bill again
- 12-month history & reports — see your real progress over time
- Multi-device sync — your budget, everywhere, in real time
- Priority support — a real person replies in < 24h
No credit card · No commitment · Cancel in 1 click
Budget app FAQ
Everything you need to know about the 3F Method and Plan & Multiply.
The 3F Method organizes your income into 3 drawers: Fixed (recurring bills to verify), Flexible (daily spending envelopes) and Future (savings jars). Inspired by Japanese kakeibo and cash stuffing, it's the clearest way to manage your budget.
No. Plan & Multiply works without any bank connection. Your data stays on your device. You log expenses in seconds, which takes less than 2 minutes per day.
The free version includes the full 3F dashboard, 5 flexible envelopes, money left in €/day and 2 savings jars. Premium unlocks unlimited envelopes, auto-recurring charges, family sharing, cloud sync and unlimited history.
Yes! With Premium, share a joint budget with your partner or family. Everyone sees the same envelopes in real time — and each person can also have their own private envelopes. Perfect for managing money together without a joint account or conflict.
Absolutely. Your financial data stays on your device. If you enable cloud sync, it's end-to-end encrypted. We never sell data and are GDPR compliant.
Start the 3F Method tonight
Create your first budget in 2 minutes. Fixed, Flexible, Future — organize every euro. No credit card needed.
+15,000 peaceful families · 4.8/5 on the stores
Plan & Multiply — The simple, free budget app
Plan & Multiply is a budget management app designed for families and couples. Built on the envelope budgeting method, it lets you allocate your income into digital pouches and track your money left to spend in real time — in dollars per day.
Unlike banking apps, Plan & Multiply requires no bank connection. You enter expenses manually, which makes you more aware of every dollar spent. Couple sharing works via QR code — no need to share login credentials. Your data stays on your device — 100% offline, 100% private.
The app includes a unique Serenity Score that measures your financial wellness, savings goals, and compatibility with popular methods like the 50/30/20 budget and Japanese kakeibo. Free with 3 envelopes, available on iOS and Android.