Your bank balance isn't what you can safely spend.
Know how much you can safely spend today — without linking your bank.
Plan your bills, everyday spending, and savings. See your exact daily spending limit updated in real time, without connecting your bank account.
No ads · Financial data stays on your phone · No bank connection
Daily Allowance Calculator
No bank connection · Instant result
No bank connection · 3 free envelopes · Private data
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."
"I avoid checking my account — I'm scared of what I'll see."
The real number — your money left to live on, calculated from your entries, without your bank.
The 3F Method: Fixed, Flexible, Future
Inspired by Japanese kakeibo and digital cash stuffing, the 3F Method organizes your income into 3 clear drawers.
Fixed
Rent, insurance, subscriptions… Verify each month that payments are done. Zero surprises on fixed bills.
Flexible
Groceries, fun, dining out… Visual envelopes for daily spending. See what you can spend today with every entry in $/day.
Future
Vacation, emergency fund, projects… Your savings goals take shape at your own pace with estimated completion date.
Kakeibo Method
Centuries-old Japanese wisdom adapted to digital. Financial mindfulness and built-in reflection.
Digital Cash Stuffing
The TikTok trend of envelope budgeting without cash. Your envelopes fill and empty in real time.
Daily Budget & $/Day
Always know how much you have left. Your daily budget in dollars per day updates with every expense.
Kim knows your plan
Kim sees your numbers and your plan. She tells you the next action — one at a time, never ten. Based on your entries, never on your bank.
The next action, one at a time
No dashboard to decode. Kim gives you the next concrete step, when it matters.
No judgment
A calm, factual tone. Kim never lectures you, even in the hard months.
Based on your entries
Kim reasons on the numbers you enter — never a bank balance, never your statements.
Your journey in 4 stages
The app holds you over time, not just this month. You move at your own pace, one stage at a time.
Survival
Get out of the overdraft and finally know what you have left to live on.
Control
Your bills, your envelopes, your money left — all clear, every euro in its place.
Building
A first safety cushion, then your projects taking shape.
Multiplication
Your money works for you and your goals come true.
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 with every entry.
Your daily budget in $/day
How much can you spend today? The $/day indicator gives you the answer at a glance, with dynamic color coding.
Your savings goals
Vacation, emergency fund, projects… Track deposits and estimated completion date. Saving becomes concrete and motivating.
Close and celebrate
At the end of each period, choose what to do with the surplus: roll over, save, or treat yourself. Every win is celebrated.
Quick 3-second entry
Log an expense in 3 taps: amount, envelope, done. No forms, no complex categorization. A budget that never slows you down.
Widget: budget on your home screen
See how much you can spend without opening the app. The widget shows your envelopes and $/day right on your home screen.
Get out of debt
Track each loan with the avalanche or snowball strategy. Automatic paydowns, estimated payoff date, and celebration when you reach zero.
Your monthly money tasks
Each month, the app guides you with a personalized checklist: check bills, log expenses, feed your savings.
Compare your months
Visualize your progress month after month. Fixed, Flexible, Future — compare each pillar and celebrate your wins.
Shared budget without the hassle
Share a joint budget via QR code. Everyone sees the same envelopes in real time — while keeping private ones.
For couples
A shared, transparent budget with private envelopes for each. No more fights — you both see the same daily budget.
Learn moreFor families
Parents and teens on the same budget. Each member has their envelopes, parents keep the overview. Allowance becomes educational.
Learn moreFor roommates
Rent, groceries, utilities — split shared expenses in a few taps. Everyone sees what they owe, zero drama.
Learn moreAdapts to your life
Whether you fly solo, as a couple or as a family, the app fits.
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.
Guides to manage your budget better
Methods, tips and tricks to take control of your finances — including planning on a budget step by step.
How to Plan a Budget (Beginner Guide)
Planning on a budget for the first time? A simple 5-step method that works even with tight finances.
Envelope Budgeting Method
The complete guide to mastering your spending with the envelope budget system.
Kakeibo: Japanese Budgeting
Discover the Japanese art of mindful budgeting with the kakeibo method.
Cash Stuffing Guide
The TikTok envelope trend goes digital. Start your cash stuffing journey for free.
Plan & Multiply Pricing — Free or Premium
Start free. Switch to autopilot with Premium — less than a coffee a week.
Free
- 3 envelopes per tab
- Fixed · Flexible · Future dashboard
- Money left to spend, based on your entries
- Savings goals (2 projects)
Premium
or $34.99 /year · only $2.92/mo
- Couple & family sharing — shared budget + personal envelopes for each member
- Unlimited envelopes — as many categories as your life needs
- 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, always in sync
- Priority support — a real person replies in < 24h
No credit card · No commitment · Cancel in 1 click · Couple plan $49.99/yr
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 goals). 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.
Plan & Multiply Free includes 3 flexible envelopes, 2 savings goals, unlimited fixed expenses, offline mode, and QR code budget sharing. Premium unlocks unlimited envelopes, unlimited savings goals, real-time bidirectional couple & family sync, and extended history with a 7-day free trial.
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.
No ads · Financial data stays on your phone · No bank connection
Plan & Multiply — The simple, free budget app
Plan & Multiply is a simple and effective budget manager for families and couples. Built on the 3F Method (Fixed, Flexible, Future), it splits your income into 3 clear pillars and shows your money left to spend, based on your entries — per day.
No bank connection needed. You enter expenses manually, making you aware of every dollar. Couple sharing works via QR code. Your data stays on your device — 100% offline, 100% private.
The app includes a Serenity Score, debt management (avalanche or snowball strategy), smart savings goals, and monthly comparison. Compatible with the 50/30/20 budget and Japanese kakeibo. Free 7-day Premium trial. Available on iOS and Android.
Take back control, one email at a time
Concrete tips to know what’s left and get out of the red. No spam, unsubscribe in one click.
By signing up, you agree to receive our emails. See our privacy policy.